Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$204,197Cash toward the purchase price.
Closing costs + prepaids$10,402Not just lender fees.
Before credits & paid funds$214,599The complete starting cash picture.
Estimated remaining funds due at closing
$214,599No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$204,197.17
Your down payment$204,197.17
Closing costs + prepaids$10,401.54
Total buyer cash needed$214,598.71
Remaining funds due$214,598.71
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%)$804.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$438.00
Initial HOA (3 months)$87.99
Prepaid interest, first (10 days)$203.54
Fees + prepaids$10,401.54
Your down payment is the seller’s equity. You take over the $160,803 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $214,598.71 is due at closing. Uses and sources reconcile at $375,401.54 each. Not a Closing Disclosure.