Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$167,472Cash toward the purchase price.
Closing costs + prepaids$11,754Not just lender fees.
Before credits & paid funds$179,226The complete starting cash picture.
Estimated remaining funds due at closing
$179,226No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,472.03
Your down payment$167,472.03
Closing costs + prepaids$11,754.09
Total buyer cash needed$179,226.13
Remaining funds due$179,226.13
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%)$3,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,012.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,178.75
Initial HOA (3 months)$50.01
Prepaid interest, first (25 days)$596.19
Fees + prepaids$11,754.09
Your down payment is the seller’s equity. You take over the $202,428 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $179,226.13 is due at closing. Uses and sources reconcile at $381,654.09 each. Not a Closing Disclosure.