Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$170,914Cash toward the purchase price.
Closing costs + prepaids$10,513Not just lender fees.
Before credits & paid funds$181,427The complete starting cash picture.
Estimated remaining funds due at closing
$181,427No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,914.12
Your down payment$170,914.12
Closing costs + prepaids$10,513.34
Total buyer cash needed$181,427.46
Remaining funds due$181,427.46
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%)$3,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$940.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$261.25
Prepaid interest, first (27 days)$503.66
Fees + prepaids$10,513.34
Your down payment is the seller’s equity. You take over the $188,086 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $181,427.46 is due at closing. Uses and sources reconcile at $369,513.34 each. Not a Closing Disclosure.