Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$222,737Cash toward the purchase price.
Closing costs + prepaids$10,640Not just lender fees.
Before credits & paid funds$233,377The complete starting cash picture.
Estimated remaining funds due at closing
$233,377No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,737.40
Your down payment$222,737.40
Closing costs + prepaids$10,639.92
Total buyer cash needed$233,377.32
Remaining funds due$233,377.32
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%)$711.31
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)$396.00
Prepaid interest, first (18 days)$226.61
Fees + prepaids$10,639.92
Your down payment is the seller’s equity. You take over the $142,263 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $233,377.32 is due at closing. Uses and sources reconcile at $375,639.92 each. Not a Closing Disclosure.