Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$83,286Cash toward the purchase price.
Closing costs + prepaids$11,332Not just lender fees.
Before credits & paid funds$94,617The complete starting cash picture.
Estimated remaining funds due at closing
$94,617No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,285.64
Your down payment$83,285.64
Closing costs + prepaids$11,331.71
Total buyer cash needed$94,617.35
Remaining funds due$94,617.35
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%)$3,630.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,398.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$437.50
Prepaid interest, first (27 days)$647.63
Fees + prepaids$11,331.71
Your down payment is the seller’s equity. You take over the $279,714 balance, so the rest of the $363,000 price is paid at closing. A second mortgage can cover part of it. $94,617.35 is due at closing. Uses and sources reconcile at $374,331.71 each. Not a Closing Disclosure.