Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$203,814Cash toward the purchase price.
Closing costs + prepaids$11,120Not just lender fees.
Before credits & paid funds$214,934The complete starting cash picture.
Estimated remaining funds due at closing
$214,934No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$203,813.86
Your down payment$203,813.86
Closing costs + prepaids$11,120.00
Total buyer cash needed$214,933.87
Remaining funds due$214,933.87
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%)$3,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$805.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$912.50
Initial HOA (3 months)$156.00
Prepaid interest, first (25 days)$377.57
Fees + prepaids$11,120.00
Your down payment is the seller’s equity. You take over the $161,186 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $214,933.87 is due at closing. Uses and sources reconcile at $376,120.00 each. Not a Closing Disclosure.