Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$159,899Cash toward the purchase price.
Closing costs + prepaids$10,505Not just lender fees.
Before credits & paid funds$170,405The complete starting cash picture.
Estimated remaining funds due at closing
$170,405No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$159,899.47
Your down payment$159,899.47
Closing costs + prepaids$10,505.14
Total buyer cash needed$170,404.61
Remaining funds due$170,404.61
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%)$3,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,025.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$438.00
Prepaid interest, first (10 days)$173.63
Fees + prepaids$10,505.14
Your down payment is the seller’s equity. You take over the $205,101 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $170,404.61 is due at closing. Uses and sources reconcile at $375,505.14 each. Not a Closing Disclosure.