Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$150,937Cash toward the purchase price.
Closing costs + prepaids$10,377Not just lender fees.
Before credits & paid funds$161,314The complete starting cash picture.
Estimated remaining funds due at closing
$161,314No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,937.24
Your down payment$150,937.24
Closing costs + prepaids$10,377.20
Total buyer cash needed$161,314.44
Remaining funds due$161,314.44
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%)$3,560.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,025.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$427.25
Prepaid interest, first (9 days)$146.63
Fees + prepaids$10,377.20
Your down payment is the seller’s equity. You take over the $205,063 balance, so the rest of the $356,000 price is paid at closing. A second mortgage can cover part of it. $161,314.44 is due at closing. Uses and sources reconcile at $366,377.20 each. Not a Closing Disclosure.