Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$113,447Cash toward the purchase price.
Closing costs + prepaids$12,438Not just lender fees.
Before credits & paid funds$125,884The complete starting cash picture.
Estimated remaining funds due at closing
$125,884No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$113,446.74
Your down payment$113,446.74
Closing costs + prepaids$12,437.76
Total buyer cash needed$125,884.50
Remaining funds due$125,884.50
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%)$3,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,282.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,113.75
Prepaid interest, first (24 days)$1,124.74
Fees + prepaids$12,437.76
Your down payment is the seller’s equity. You take over the $256,453 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $125,884.50 is due at closing. Uses and sources reconcile at $382,337.76 each. Not a Closing Disclosure.