Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$146,863Cash toward the purchase price.
Closing costs + prepaids$11,273Not just lender fees.
Before credits & paid funds$158,135The complete starting cash picture.
Estimated remaining funds due at closing
$158,135No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$146,862.57
Your down payment$146,862.57
Closing costs + prepaids$11,272.55
Total buyer cash needed$158,135.13
Remaining funds due$158,135.13
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%)$3,789.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,160.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$454.75
Initial HOA (3 months)$540.00
Prepaid interest, first (6 days)$110.62
Fees + prepaids$11,272.55
Your down payment is the seller’s equity. You take over the $232,037 balance, so the rest of the $378,900 price is paid at closing. A second mortgage can cover part of it. $158,135.13 is due at closing. Uses and sources reconcile at $390,172.55 each. Not a Closing Disclosure.