Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$159,899Cash toward the purchase price.
Closing costs + prepaids$10,488Not just lender fees.
Before credits & paid funds$170,387The complete starting cash picture.
Estimated remaining funds due at closing
$170,387No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,899.47
Your down payment$159,899.47
Closing costs + prepaids$10,487.77
Total buyer cash needed$170,387.24
Remaining funds due$170,387.24
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%)$3,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,025.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$438.00
Prepaid interest, first (9 days)$156.27
Fees + prepaids$10,487.77
Your down payment is the seller’s equity. You take over the $205,101 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $170,387.24 is due at closing. Uses and sources reconcile at $375,487.77 each. Not a Closing Disclosure.