Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$159,899Cash toward the purchase price.
Closing costs + prepaids$10,755Not just lender fees.
Before credits & paid funds$170,654The complete starting cash picture.
Estimated remaining funds due at closing
$170,654No 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$10,754.81
Total buyer cash needed$170,654.28
Remaining funds due$170,654.28
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)$392.50
Prepaid interest, first (27 days)$468.81
Fees + prepaids$10,754.81
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. $170,654.28 is due at closing. Uses and sources reconcile at $375,754.81 each. Not a Closing Disclosure.