Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$154,425Cash toward the purchase price.
Closing costs + prepaids$11,633Not just lender fees.
Before credits & paid funds$166,058The complete starting cash picture.
Estimated remaining funds due at closing
$166,058No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,424.67
Your down payment$154,424.67
Closing costs + prepaids$11,633.16
Total buyer cash needed$166,057.83
Remaining funds due$166,057.83
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%)$1,077.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$444.00
Initial HOA (3 months)$876.00
Prepaid interest, first (12 days)$318.79
Fees + prepaids$11,633.16
Your down payment is the seller’s equity. You take over the $215,475 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $166,057.83 is due at closing. Uses and sources reconcile at $381,533.16 each. Not a Closing Disclosure.