Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$172,206Cash toward the purchase price.
Closing costs + prepaids$10,451Not just lender fees.
Before credits & paid funds$182,657The complete starting cash picture.
Estimated remaining funds due at closing
$182,657No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$172,205.95
Your down payment$172,205.95
Closing costs + prepaids$10,451.44
Total buyer cash needed$182,657.39
Remaining funds due$182,657.39
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%)$3,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$938.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$220.00
Prepaid interest, first (26 days)$475.97
Fees + prepaids$10,451.44
Your down payment is the seller’s equity. You take over the $187,694 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $182,657.39 is due at closing. Uses and sources reconcile at $370,351.44 each. Not a Closing Disclosure.