Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$154,960Cash toward the purchase price.
Closing costs + prepaids$11,659Not just lender fees.
Before credits & paid funds$166,619The complete starting cash picture.
Estimated remaining funds due at closing
$166,619No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,959.61
Your down payment$154,959.61
Closing costs + prepaids$11,659.34
Total buyer cash needed$166,618.94
Remaining funds due$166,618.94
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%)$1,024.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$589.50
Initial HOA (3 months)$873.00
Prepaid interest, first (23 days)$355.14
Fees + prepaids$11,659.34
Your down payment is the seller’s equity. You take over the $204,940 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $166,618.94 is due at closing. Uses and sources reconcile at $371,559.34 each. Not a Closing Disclosure.