Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$156,118Cash toward the purchase price.
Closing costs + prepaids$11,092Not just lender fees.
Before credits & paid funds$167,209The complete starting cash picture.
Estimated remaining funds due at closing
$167,209No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,117.65
Your down payment$156,117.65
Closing costs + prepaids$11,091.63
Total buyer cash needed$167,209.28
Remaining funds due$167,209.28
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$3,649.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,043.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$749.25
Initial HOA (3 months)$37.50
Prepaid interest, first (29 days)$393.97
Fees + prepaids$11,091.63
Your down payment is the seller’s equity. You take over the $208,782 balance, so the rest of the $364,900 price is paid at closing. A second mortgage can cover part of it. $167,209.28 is due at closing. Uses and sources reconcile at $375,991.63 each. Not a Closing Disclosure.