Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$81,324Cash toward the purchase price.
Closing costs + prepaids$14,126Not just lender fees.
Before credits & paid funds$95,450The complete starting cash picture.
Estimated remaining funds due at closing
$95,450No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,323.58
Your down payment$81,323.58
Closing costs + prepaids$14,126.34
Total buyer cash needed$95,449.93
Remaining funds due$95,449.93
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%)$1,418.38
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)$1,614.00
Prepaid interest, first (26 days)$1,313.46
Fees + prepaids$14,126.34
Your down payment is the seller’s equity. You take over the $283,676 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $95,449.93 is due at closing. Uses and sources reconcile at $379,126.34 each. Not a Closing Disclosure.