Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$201,214Cash toward the purchase price.
Closing costs + prepaids$11,098Not just lender fees.
Before credits & paid funds$212,312The complete starting cash picture.
Estimated remaining funds due at closing
$212,312No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,214.35
Your down payment$201,214.35
Closing costs + prepaids$11,097.75
Total buyer cash needed$212,312.10
Remaining funds due$212,312.10
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%)$3,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$838.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$612.00
Initial HOA (3 months)$174.51
Prepaid interest, first (31 days)$564.31
Fees + prepaids$11,097.75
Your down payment is the seller’s equity. You take over the $167,786 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $212,312.10 is due at closing. Uses and sources reconcile at $380,097.75 each. Not a Closing Disclosure.