Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$273,011Cash toward the purchase price.
Closing costs + prepaids$10,391Not just lender fees.
Before credits & paid funds$283,402The complete starting cash picture.
Estimated remaining funds due at closing
$283,402No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$273,011.15
Your down payment$273,011.15
Closing costs + prepaids$10,390.51
Total buyer cash needed$283,401.65
Remaining funds due$283,401.65
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%)$434.94
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$900.00
Prepaid interest, first (28 days)$237.56
Fees + prepaids$10,390.51
Your down payment is the seller’s equity. You take over the $86,989 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $283,401.65 is due at closing. Uses and sources reconcile at $370,390.51 each. Not a Closing Disclosure.