Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$94,351Cash toward the purchase price.
Closing costs + prepaids$11,677Not just lender fees.
Before credits & paid funds$106,028The complete starting cash picture.
Estimated remaining funds due at closing
$106,028No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$94,351.45
Your down payment$94,351.45
Closing costs + prepaids$11,676.89
Total buyer cash needed$106,028.34
Remaining funds due$106,028.34
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%)$1,353.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$912.50
Prepaid interest, first (25 days)$543.15
Fees + prepaids$11,676.89
Your down payment is the seller’s equity. You take over the $270,649 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $106,028.34 is due at closing. Uses and sources reconcile at $376,676.89 each. Not a Closing Disclosure.