Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$166,871Cash toward the purchase price.
Closing costs + prepaids$11,045Not just lender fees.
Before credits & paid funds$177,916The complete starting cash picture.
Estimated remaining funds due at closing
$177,916No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$166,870.69
Your down payment$166,870.69
Closing costs + prepaids$11,044.96
Total buyer cash needed$177,915.65
Remaining funds due$177,915.65
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%)$3,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,090.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$481.25
Initial HOA (3 months)$120.00
Prepaid interest, first (15 days)$285.06
Fees + prepaids$11,044.96
Your down payment is the seller’s equity. You take over the $218,129 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $177,915.65 is due at closing. Uses and sources reconcile at $396,044.96 each. Not a Closing Disclosure.