Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$204,197Cash toward the purchase price.
Closing costs + prepaids$10,381Not just lender fees.
Before credits & paid funds$214,578The complete starting cash picture.
Estimated remaining funds due at closing
$214,578No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,197.17
Your down payment$204,197.17
Closing costs + prepaids$10,381.19
Total buyer cash needed$214,578.35
Remaining funds due$214,578.35
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%)$804.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$438.00
Initial HOA (3 months)$87.99
Prepaid interest, first (9 days)$183.18
Fees + prepaids$10,381.19
Your down payment is the seller’s equity. You take over the $160,803 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $214,578.35 is due at closing. Uses and sources reconcile at $375,381.19 each. Not a Closing Disclosure.