Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$73,254Cash toward the purchase price.
Closing costs + prepaids$11,840Not just lender fees.
Before credits & paid funds$85,093The complete starting cash picture.
Estimated remaining funds due at closing
$85,093No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,253.65
Your down payment$73,253.65
Closing costs + prepaids$11,839.72
Total buyer cash needed$85,093.37
Remaining funds due$85,093.37
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%)$1,458.73
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)$60.00
Prepaid interest, first (23 days)$540.49
Fees + prepaids$11,839.72
Your down payment is the seller’s equity. You take over the $291,746 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $85,093.37 is due at closing. Uses and sources reconcile at $376,839.72 each. Not a Closing Disclosure.