Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$82,729Cash toward the purchase price.
Closing costs + prepaids$13,726Not just lender fees.
Before credits & paid funds$96,455The complete starting cash picture.
Estimated remaining funds due at closing
$96,455No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$82,729.07
Your down payment$82,729.07
Closing costs + prepaids$13,725.54
Total buyer cash needed$96,454.61
Remaining funds due$96,454.61
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%)$1,386.35
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,315.25
Prepaid interest, first (25 days)$1,205.94
Fees + prepaids$13,725.54
Your down payment is the seller’s equity. You take over the $277,271 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $96,454.61 is due at closing. Uses and sources reconcile at $373,725.54 each. Not a Closing Disclosure.