Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$162,783Cash toward the purchase price.
Closing costs + prepaids$11,165Not just lender fees.
Before credits & paid funds$173,948The complete starting cash picture.
Estimated remaining funds due at closing
$173,948No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$162,783.39
Your down payment$162,783.39
Closing costs + prepaids$11,165.02
Total buyer cash needed$173,948.41
Remaining funds due$173,948.41
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%)$3,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,085.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$968.75
Prepaid interest, first (5 days)$93.69
Fees + prepaids$11,165.02
Your down payment is the seller’s equity. You take over the $217,117 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $173,948.41 is due at closing. Uses and sources reconcile at $391,065.02 each. Not a Closing Disclosure.