Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$147,818Cash toward the purchase price.
Closing costs + prepaids$11,632Not just lender fees.
Before credits & paid funds$159,450The complete starting cash picture.
Estimated remaining funds due at closing
$159,450No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,817.87
Your down payment$147,817.87
Closing costs + prepaids$11,632.36
Total buyer cash needed$159,450.23
Remaining funds due$159,450.23
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%)$3,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,155.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$947.50
Prepaid interest, first (25 days)$520.95
Fees + prepaids$11,632.36
Your down payment is the seller’s equity. You take over the $231,182 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $159,450.23 is due at closing. Uses and sources reconcile at $390,632.36 each. Not a Closing Disclosure.