Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$202,455Cash toward the purchase price.
Closing costs + prepaids$10,450Not just lender fees.
Before credits & paid funds$212,905The complete starting cash picture.
Estimated remaining funds due at closing
$212,905No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$202,455.06
Your down payment$202,455.06
Closing costs + prepaids$10,449.51
Total buyer cash needed$212,904.57
Remaining funds due$212,904.57
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%)$837.22
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$359.25
Prepaid interest, first (25 days)$336.04
Fees + prepaids$10,449.51
Your down payment is the seller’s equity. You take over the $167,445 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $212,904.57 is due at closing. Uses and sources reconcile at $380,349.51 each. Not a Closing Disclosure.