Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$106,076Cash toward the purchase price.
Closing costs + prepaids$10,908Not just lender fees.
Before credits & paid funds$116,983The complete starting cash picture.
Estimated remaining funds due at closing
$116,983No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,075.73
Your down payment$106,075.73
Closing costs + prepaids$10,907.71
Total buyer cash needed$116,983.44
Remaining funds due$116,983.44
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%)$3,640.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,289.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$262.75
Prepaid interest, first (23 days)$497.33
Fees + prepaids$10,907.71
Your down payment is the seller’s equity. You take over the $257,924 balance, so the rest of the $364,000 price is paid at closing. A second mortgage can cover part of it. $116,983.44 is due at closing. Uses and sources reconcile at $374,907.71 each. Not a Closing Disclosure.