Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$154,800Cash toward the purchase price.
Closing costs + prepaids$9,886Not just lender fees.
Before credits & paid funds$164,686The complete starting cash picture.
Estimated remaining funds due at closing
$164,686No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$154,799.76
Your down payment$154,799.76
Closing costs + prepaids$9,885.83
Total buyer cash needed$164,685.59
Remaining funds due$164,685.59
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%)$3,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,001.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$101.25
Prepaid interest, first (1 days)$15.58
Fees + prepaids$9,885.83
Your down payment is the seller’s equity. You take over the $200,200 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $164,685.59 is due at closing. Uses and sources reconcile at $364,885.83 each. Not a Closing Disclosure.