Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$144,823Cash toward the purchase price.
Closing costs + prepaids$11,794Not just lender fees.
Before credits & paid funds$156,617The complete starting cash picture.
Estimated remaining funds due at closing
$156,617No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,823.04
Your down payment$144,823.04
Closing costs + prepaids$11,793.77
Total buyer cash needed$156,616.81
Remaining funds due$156,616.81
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%)$3,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,120.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$393.25
Initial HOA (3 months)$875.01
Prepaid interest, first (26 days)$496.63
Fees + prepaids$11,793.77
Your down payment is the seller’s equity. You take over the $224,177 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $156,616.81 is due at closing. Uses and sources reconcile at $380,793.77 each. Not a Closing Disclosure.