Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$158,744Cash toward the purchase price.
Closing costs + prepaids$10,767Not just lender fees.
Before credits & paid funds$169,511The complete starting cash picture.
Estimated remaining funds due at closing
$169,511No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$158,744.01
Your down payment$158,744.01
Closing costs + prepaids$10,767.28
Total buyer cash needed$169,511.29
Remaining funds due$169,511.29
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%)$3,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,005.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$132.25
Initial HOA (3 months)$381.00
Prepaid interest, first (25 days)$431.25
Fees + prepaids$10,767.28
Your down payment is the seller’s equity. You take over the $201,156 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $169,511.29 is due at closing. Uses and sources reconcile at $370,667.28 each. Not a Closing Disclosure.