Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$105,606Cash toward the purchase price.
Closing costs + prepaids$12,791Not just lender fees.
Before credits & paid funds$118,396The complete starting cash picture.
Estimated remaining funds due at closing
$118,396No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,605.74
Your down payment$105,605.74
Closing costs + prepaids$12,790.63
Total buyer cash needed$118,396.37
Remaining funds due$118,396.37
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%)$1,296.97
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)$1,239.00
Prepaid interest, first (24 days)$474.16
Fees + prepaids$12,790.63
Your down payment is the seller’s equity. You take over the $259,394 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $118,396.37 is due at closing. Uses and sources reconcile at $377,790.63 each. Not a Closing Disclosure.