Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$147,950Cash toward the purchase price.
Closing costs + prepaids$12,555Not just lender fees.
Before credits & paid funds$160,505The complete starting cash picture.
Estimated remaining funds due at closing
$160,505No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$147,950.04
Your down payment$147,950.04
Closing costs + prepaids$12,555.34
Total buyer cash needed$160,505.38
Remaining funds due$160,505.38
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%)$3,695.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,107.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,201.00
Initial HOA (3 months)$37.50
Prepaid interest, first (18 days)$296.09
Fees + prepaids$12,555.34
Your down payment is the seller’s equity. You take over the $221,550 balance, so the rest of the $369,500 price is paid at closing. A second mortgage can cover part of it. $160,505.38 is due at closing. Uses and sources reconcile at $382,055.34 each. Not a Closing Disclosure.