Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$144,997Cash toward the purchase price.
Closing costs + prepaids$10,506Not just lender fees.
Before credits & paid funds$155,503The complete starting cash picture.
Estimated remaining funds due at closing
$155,503No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$144,997.26
Your down payment$144,997.26
Closing costs + prepaids$10,505.85
Total buyer cash needed$155,503.11
Remaining funds due$155,503.11
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%)$3,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,075.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$432.00
Prepaid interest, first (10 days)$180.84
Fees + prepaids$10,505.85
Your down payment is the seller’s equity. You take over the $215,003 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $155,503.11 is due at closing. Uses and sources reconcile at $370,505.85 each. Not a Closing Disclosure.