Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$274,775Cash toward the purchase price.
Closing costs + prepaids$10,994Not just lender fees.
Before credits & paid funds$285,770The complete starting cash picture.
Estimated remaining funds due at closing
$285,770No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$274,775.31
Your down payment$274,775.31
Closing costs + prepaids$10,994.26
Total buyer cash needed$285,769.57
Remaining funds due$285,769.57
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%)$3,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$451.12
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$912.50
Initial HOA (3 months)$555.00
Prepaid interest, first (28 days)$207.64
Fees + prepaids$10,994.26
Your down payment is the seller’s equity. You take over the $90,225 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $285,769.57 is due at closing. Uses and sources reconcile at $375,994.26 each. Not a Closing Disclosure.