Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$170,105Cash toward the purchase price.
Closing costs + prepaids$11,627Not just lender fees.
Before credits & paid funds$181,732The complete starting cash picture.
Estimated remaining funds due at closing
$181,732No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,105.05
Your down payment$170,105.05
Closing costs + prepaids$11,627.34
Total buyer cash needed$181,732.39
Remaining funds due$181,732.39
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%)$998.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$503.75
Initial HOA (3 months)$315.00
Prepaid interest, first (23 days)$892.62
Fees + prepaids$11,627.34
Your down payment is the seller’s equity. You take over the $199,795 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $181,732.39 is due at closing. Uses and sources reconcile at $381,527.34 each. Not a Closing Disclosure.