Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$224,661Cash toward the purchase price.
Closing costs + prepaids$10,281Not just lender fees.
Before credits & paid funds$234,942The complete starting cash picture.
Estimated remaining funds due at closing
$234,942No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$224,660.60
Your down payment$224,660.60
Closing costs + prepaids$10,281.17
Total buyer cash needed$234,941.77
Remaining funds due$234,941.77
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%)$3,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$726.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$298.25
Prepaid interest, first (31 days)$338.22
Fees + prepaids$10,281.17
Your down payment is the seller’s equity. You take over the $145,339 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $234,941.77 is due at closing. Uses and sources reconcile at $380,281.17 each. Not a Closing Disclosure.