Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$201,333Cash toward the purchase price.
Closing costs + prepaids$10,486Not just lender fees.
Before credits & paid funds$211,819The complete starting cash picture.
Estimated remaining funds due at closing
$211,819No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$201,333.01
Your down payment$201,333.01
Closing costs + prepaids$10,485.59
Total buyer cash needed$211,818.60
Remaining funds due$211,818.60
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%)$838.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$461.25
Prepaid interest, first (17 days)$278.01
Fees + prepaids$10,485.59
Your down payment is the seller’s equity. You take over the $167,667 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $211,818.60 is due at closing. Uses and sources reconcile at $379,485.59 each. Not a Closing Disclosure.