Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$103,237Cash toward the purchase price.
Closing costs + prepaids$11,235Not just lender fees.
Before credits & paid funds$114,473The complete starting cash picture.
Estimated remaining funds due at closing
$114,473No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$103,237.49
Your down payment$103,237.49
Closing costs + prepaids$11,235.12
Total buyer cash needed$114,472.61
Remaining funds due$114,472.61
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%)$3,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,328.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$459.50
Prepaid interest, first (25 days)$538.81
Fees + prepaids$11,235.12
Your down payment is the seller’s equity. You take over the $265,763 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $114,472.61 is due at closing. Uses and sources reconcile at $380,235.12 each. Not a Closing Disclosure.