Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$82,217Cash toward the purchase price.
Closing costs + prepaids$11,341Not just lender fees.
Before credits & paid funds$93,557The complete starting cash picture.
Estimated remaining funds due at closing
$93,557No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,216.54
Your down payment$82,216.54
Closing costs + prepaids$11,340.87
Total buyer cash needed$93,557.40
Remaining funds due$93,557.40
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%)$1,388.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$476.25
Prepaid interest, first (29 days)$657.70
Fees + prepaids$11,340.87
Your down payment is the seller’s equity. You take over the $277,783 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $93,557.40 is due at closing. Uses and sources reconcile at $371,340.87 each. Not a Closing Disclosure.