Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$267,175Cash toward the purchase price.
Closing costs + prepaids$10,567Not just lender fees.
Before credits & paid funds$277,742The complete starting cash picture.
Estimated remaining funds due at closing
$277,742No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$267,175.47
Your down payment$267,175.47
Closing costs + prepaids$10,566.99
Total buyer cash needed$277,742.46
Remaining funds due$277,742.46
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%)$513.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$384.75
Initial HOA (3 months)$516.00
Prepaid interest, first (28 days)$235.62
Fees + prepaids$10,566.99
Your down payment is the seller’s equity. You take over the $102,725 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $277,742.46 is due at closing. Uses and sources reconcile at $380,466.99 each. Not a Closing Disclosure.