Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$155,257Cash toward the purchase price.
Closing costs + prepaids$10,272Not just lender fees.
Before credits & paid funds$165,529The complete starting cash picture.
Estimated remaining funds due at closing
$165,529No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$155,256.62
Your down payment$155,256.62
Closing costs + prepaids$10,272.05
Total buyer cash needed$165,528.67
Remaining funds due$165,528.67
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%)$3,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$998.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$101.25
Prepaid interest, first (26 days)$404.08
Fees + prepaids$10,272.05
Your down payment is the seller’s equity. You take over the $199,743 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $165,528.67 is due at closing. Uses and sources reconcile at $365,272.05 each. Not a Closing Disclosure.