Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$149,728Cash toward the purchase price.
Closing costs + prepaids$11,870Not just lender fees.
Before credits & paid funds$161,598The complete starting cash picture.
Estimated remaining funds due at closing
$161,598No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,727.83
Your down payment$149,727.83
Closing costs + prepaids$11,870.03
Total buyer cash needed$161,597.86
Remaining funds due$161,597.86
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%)$3,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,096.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$873.00
Prepaid interest, first (27 days)$992.67
Fees + prepaids$11,870.03
Your down payment is the seller’s equity. You take over the $219,272 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $161,597.86 is due at closing. Uses and sources reconcile at $380,870.03 each. Not a Closing Disclosure.