Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$167,308Cash toward the purchase price.
Closing costs + prepaids$12,107Not just lender fees.
Before credits & paid funds$179,415The complete starting cash picture.
Estimated remaining funds due at closing
$179,415No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$167,307.69
Your down payment$167,307.69
Closing costs + prepaids$12,106.84
Total buyer cash needed$179,414.53
Remaining funds due$179,414.53
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%)$3,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,013.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,721.50
Initial HOA (3 months)$174.00
Prepaid interest, first (18 days)$279.88
Fees + prepaids$12,106.84
Your down payment is the seller’s equity. You take over the $202,692 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $179,414.53 is due at closing. Uses and sources reconcile at $382,106.84 each. Not a Closing Disclosure.