Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$164,677Cash toward the purchase price.
Closing costs + prepaids$11,307Not just lender fees.
Before credits & paid funds$175,983The complete starting cash picture.
Estimated remaining funds due at closing
$175,983No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$164,676.50
Your down payment$164,676.50
Closing costs + prepaids$11,306.53
Total buyer cash needed$175,983.04
Remaining funds due$175,983.04
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%)$3,795.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,074.12
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$705.25
Prepaid interest, first (26 days)$514.16
Fees + prepaids$11,306.53
Your down payment is the seller’s equity. You take over the $214,823 balance, so the rest of the $379,500 price is paid at closing. A second mortgage can cover part of it. $175,983.04 is due at closing. Uses and sources reconcile at $390,806.53 each. Not a Closing Disclosure.