Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$156,331Cash toward the purchase price.
Closing costs + prepaids$10,998Not just lender fees.
Before credits & paid funds$167,329The complete starting cash picture.
Estimated remaining funds due at closing
$167,329No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$156,330.94
Your down payment$156,330.94
Closing costs + prepaids$10,997.61
Total buyer cash needed$167,328.55
Remaining funds due$167,328.55
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%)$1,067.85
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)$69.51
Fees + prepaids$10,997.61
Your down payment is the seller’s equity. You take over the $213,569 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $167,328.55 is due at closing. Uses and sources reconcile at $380,897.61 each. Not a Closing Disclosure.