Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$275,071Cash toward the purchase price.
Closing costs + prepaids$9,979Not just lender fees.
Before credits & paid funds$285,050The complete starting cash picture.
Estimated remaining funds due at closing
$285,050No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$275,070.82
Your down payment$275,070.82
Closing costs + prepaids$9,979.17
Total buyer cash needed$285,049.99
Remaining funds due$285,049.99
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%)$3,685.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$467.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$234.00
Prepaid interest, first (23 days)$375.02
Fees + prepaids$9,979.17
Your down payment is the seller’s equity. You take over the $93,429 balance, so the rest of the $368,500 price is paid at closing. A second mortgage can cover part of it. $285,049.99 is due at closing. Uses and sources reconcile at $378,479.17 each. Not a Closing Disclosure.