Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$91,961Cash toward the purchase price.
Closing costs + prepaids$11,173Not just lender fees.
Before credits & paid funds$103,134The complete starting cash picture.
Estimated remaining funds due at closing
$103,134No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,960.72
Your down payment$91,960.72
Closing costs + prepaids$11,173.02
Total buyer cash needed$103,133.74
Remaining funds due$103,133.74
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%)$3,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,339.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$420.25
Prepaid interest, first (28 days)$596.07
Fees + prepaids$11,173.02
Your down payment is the seller’s equity. You take over the $267,939 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $103,133.74 is due at closing. Uses and sources reconcile at $371,073.02 each. Not a Closing Disclosure.