Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$152,552Cash toward the purchase price.
Closing costs + prepaids$12,393Not just lender fees.
Before credits & paid funds$164,945The complete starting cash picture.
Estimated remaining funds due at closing
$164,945No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$152,552.02
Your down payment$152,552.02
Closing costs + prepaids$12,393.20
Total buyer cash needed$164,945.21
Remaining funds due$164,945.21
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%)$1,036.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,085.00
Initial HOA (3 months)$24.99
Prepaid interest, first (28 days)$429.47
Fees + prepaids$12,393.20
Your down payment is the seller’s equity. You take over the $207,348 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $164,945.21 is due at closing. Uses and sources reconcile at $372,293.20 each. Not a Closing Disclosure.