Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$115,909Cash toward the purchase price.
Closing costs + prepaids$11,240Not just lender fees.
Before credits & paid funds$127,148The complete starting cash picture.
Estimated remaining funds due at closing
$127,148No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,908.74
Your down payment$115,908.74
Closing costs + prepaids$11,239.59
Total buyer cash needed$127,148.33
Remaining funds due$127,148.33
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%)$3,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,220.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$568.50
Prepaid interest, first (22 days)$632.63
Fees + prepaids$11,239.59
Your down payment is the seller’s equity. You take over the $244,091 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $127,148.33 is due at closing. Uses and sources reconcile at $371,239.59 each. Not a Closing Disclosure.