Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$169,634Cash toward the purchase price.
Closing costs + prepaids$10,294Not just lender fees.
Before credits & paid funds$179,928The complete starting cash picture.
Estimated remaining funds due at closing
$179,928No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$169,634.32
Your down payment$169,634.32
Closing costs + prepaids$10,293.52
Total buyer cash needed$179,927.84
Remaining funds due$179,927.84
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%)$3,675.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$989.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$12.75
Prepaid interest, first (25 days)$398.44
Fees + prepaids$10,293.52
Your down payment is the seller’s equity. You take over the $197,866 balance, so the rest of the $367,500 price is paid at closing. A second mortgage can cover part of it. $179,927.84 is due at closing. Uses and sources reconcile at $377,793.52 each. Not a Closing Disclosure.