Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$118,470Cash toward the purchase price.
Closing costs + prepaids$11,600Not just lender fees.
Before credits & paid funds$130,070The complete starting cash picture.
Estimated remaining funds due at closing
$130,070No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,470.07
Your down payment$118,470.07
Closing costs + prepaids$11,599.85
Total buyer cash needed$130,069.92
Remaining funds due$130,069.92
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%)$3,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,257.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$834.25
Prepaid interest, first (27 days)$591.45
Fees + prepaids$11,599.85
Your down payment is the seller’s equity. You take over the $251,430 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $130,069.92 is due at closing. Uses and sources reconcile at $381,499.85 each. Not a Closing Disclosure.