Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$184,107Cash toward the purchase price.
Closing costs + prepaids$11,059Not just lender fees.
Before credits & paid funds$195,166The complete starting cash picture.
Estimated remaining funds due at closing
$195,166No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$184,107.06
Your down payment$184,107.06
Closing costs + prepaids$11,058.96
Total buyer cash needed$195,166.02
Remaining funds due$195,166.02
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%)$904.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$600.00
Initial HOA (3 months)$180.00
Prepaid interest, first (28 days)$506.50
Fees + prepaids$11,058.96
Your down payment is the seller’s equity. You take over the $180,893 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $195,166.02 is due at closing. Uses and sources reconcile at $376,058.96 each. Not a Closing Disclosure.