Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$147,442Cash toward the purchase price.
Closing costs + prepaids$10,904Not just lender fees.
Before credits & paid funds$158,347The complete starting cash picture.
Estimated remaining funds due at closing
$158,347No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,442.47
Your down payment$147,442.47
Closing costs + prepaids$10,904.40
Total buyer cash needed$158,346.88
Remaining funds due$158,346.88
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%)$1,112.29
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)$229.26
Prepaid interest, first (9 days)$201.86
Fees + prepaids$10,904.40
Your down payment is the seller’s equity. You take over the $222,458 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $158,346.88 is due at closing. Uses and sources reconcile at $380,804.40 each. Not a Closing Disclosure.