Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$155,509Cash toward the purchase price.
Closing costs + prepaids$11,047Not just lender fees.
Before credits & paid funds$166,556The complete starting cash picture.
Estimated remaining funds due at closing
$166,556No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,509.29
Your down payment$155,509.29
Closing costs + prepaids$11,046.95
Total buyer cash needed$166,556.24
Remaining funds due$166,556.24
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%)$1,067.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$699.50
Prepaid interest, first (24 days)$372.00
Fees + prepaids$11,046.95
Your down payment is the seller’s equity. You take over the $213,491 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $166,556.24 is due at closing. Uses and sources reconcile at $380,046.95 each. Not a Closing Disclosure.