Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$147,467Cash toward the purchase price.
Closing costs + prepaids$12,585Not just lender fees.
Before credits & paid funds$160,052The complete starting cash picture.
Estimated remaining funds due at closing
$160,052No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,467.28
Your down payment$147,467.28
Closing costs + prepaids$12,584.69
Total buyer cash needed$160,051.97
Remaining funds due$160,051.97
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%)$3,729.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,127.16
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,537.75
Initial HOA (3 months)$504.00
Prepaid interest, first (23 days)$468.78
Fees + prepaids$12,584.69
Your down payment is the seller’s equity. You take over the $225,433 balance, so the rest of the $372,900 price is paid at closing. A second mortgage can cover part of it. $160,051.97 is due at closing. Uses and sources reconcile at $385,484.69 each. Not a Closing Disclosure.