Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$150,019Cash toward the purchase price.
Closing costs + prepaids$11,119Not just lender fees.
Before credits & paid funds$161,138The complete starting cash picture.
Estimated remaining funds due at closing
$161,138No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$150,019.35
Your down payment$150,019.35
Closing costs + prepaids$11,118.84
Total buyer cash needed$161,138.20
Remaining funds due$161,138.20
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%)$1,144.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$445.50
Initial HOA (3 months)$180.00
Prepaid interest, first (19 days)$341.94
Fees + prepaids$11,118.84
Your down payment is the seller’s equity. You take over the $228,881 balance, so the rest of the $378,900 price is paid at closing. A second mortgage can cover part of it. $161,138.20 is due at closing. Uses and sources reconcile at $390,018.84 each. Not a Closing Disclosure.