Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$159,342Cash toward the purchase price.
Closing costs + prepaids$11,013Not just lender fees.
Before credits & paid funds$170,354The complete starting cash picture.
Estimated remaining funds due at closing
$170,354No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,341.75
Your down payment$159,341.75
Closing costs + prepaids$11,012.55
Total buyer cash needed$170,354.31
Remaining funds due$170,354.31
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%)$1,052.79
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 (5 days)$99.51
Fees + prepaids$11,012.55
Your down payment is the seller’s equity. You take over the $210,558 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $170,354.31 is due at closing. Uses and sources reconcile at $380,912.55 each. Not a Closing Disclosure.