Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$125,940Cash toward the purchase price.
Closing costs + prepaids$11,230Not just lender fees.
Before credits & paid funds$137,170The complete starting cash picture.
Estimated remaining funds due at closing
$137,170No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$125,939.89
Your down payment$125,939.89
Closing costs + prepaids$11,230.01
Total buyer cash needed$137,169.89
Remaining funds due$137,169.89
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%)$3,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,170.30
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$622.25
Prepaid interest, first (28 days)$619.46
Fees + prepaids$11,230.01
Your down payment is the seller’s equity. You take over the $234,060 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $137,169.89 is due at closing. Uses and sources reconcile at $371,230.01 each. Not a Closing Disclosure.