Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$163,350Cash toward the purchase price.
Closing costs + prepaids$10,246Not just lender fees.
Before credits & paid funds$173,596The complete starting cash picture.
Estimated remaining funds due at closing
$173,596No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,349.56
Your down payment$163,349.56
Closing costs + prepaids$10,246.08
Total buyer cash needed$173,595.64
Remaining funds due$173,595.64
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%)$3,689.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,027.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$295.00
Prepaid interest, first (1 days)$16.33
Fees + prepaids$10,246.08
Your down payment is the seller’s equity. You take over the $205,550 balance, so the rest of the $368,900 price is paid at closing. A second mortgage can cover part of it. $173,595.64 is due at closing. Uses and sources reconcile at $379,146.08 each. Not a Closing Disclosure.