Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$133,837Cash toward the purchase price.
Closing costs + prepaids$11,046Not just lender fees.
Before credits & paid funds$144,883The complete starting cash picture.
Estimated remaining funds due at closing
$144,883No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,836.61
Your down payment$133,836.61
Closing costs + prepaids$11,046.43
Total buyer cash needed$144,883.04
Remaining funds due$144,883.04
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%)$3,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,180.82
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$294.00
Initial HOA (3 months)$228.00
Prepaid interest, first (22 days)$425.61
Fees + prepaids$11,046.43
Your down payment is the seller’s equity. You take over the $236,163 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $144,883.04 is due at closing. Uses and sources reconcile at $381,046.43 each. Not a Closing Disclosure.