Follow the dollars · Assumption only
A complete cash picture for Dec 22, 2026
Your down payment$149,875Cash toward the purchase price.
Closing costs + prepaids$10,819Not just lender fees.
Before credits & paid funds$160,694The complete starting cash picture.
Estimated remaining funds due at closing
$160,694No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$149,874.81
Your down payment$149,874.81
Closing costs + prepaids$10,819.45
Total buyer cash needed$160,694.27
Remaining funds due$160,694.27
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%)$3,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,100.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$444.00
Initial HOA (3 months)$156.00
Prepaid interest, first (10 days)$200.83
Fees + prepaids$10,819.45
Your down payment is the seller’s equity. You take over the $220,125 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $160,694.27 is due at closing. Uses and sources reconcile at $380,819.45 each. Not a Closing Disclosure.