Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$150,771Cash toward the purchase price.
Closing costs + prepaids$10,801Not just lender fees.
Before credits & paid funds$161,573The complete starting cash picture.
Estimated remaining funds due at closing
$161,573No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,771.06
Your down payment$150,771.06
Closing costs + prepaids$10,801.46
Total buyer cash needed$161,572.52
Remaining funds due$161,572.52
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%)$3,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,071.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$384.75
Initial HOA (3 months)$27.51
Prepaid interest, first (27 days)$450.06
Fees + prepaids$10,801.46
Your down payment is the seller’s equity. You take over the $214,229 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $161,572.52 is due at closing. Uses and sources reconcile at $375,801.46 each. Not a Closing Disclosure.