Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$155,950Cash toward the purchase price.
Closing costs + prepaids$11,002Not just lender fees.
Before credits & paid funds$166,952The complete starting cash picture.
Estimated remaining funds due at closing
$166,952No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,950.42
Your down payment$155,950.42
Closing costs + prepaids$11,001.74
Total buyer cash needed$166,952.17
Remaining funds due$166,952.17
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%)$3,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,069.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$943.25
Prepaid interest, first (4 days)$71.75
Fees + prepaids$11,001.74
Your down payment is the seller’s equity. You take over the $213,950 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $166,952.17 is due at closing. Uses and sources reconcile at $380,901.74 each. Not a Closing Disclosure.