Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$77,123Cash toward the purchase price.
Closing costs + prepaids$10,902Not just lender fees.
Before credits & paid funds$88,026The complete starting cash picture.
Estimated remaining funds due at closing
$88,026No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,123.50
Your down payment$77,123.50
Closing costs + prepaids$10,902.26
Total buyer cash needed$88,025.76
Remaining funds due$88,025.76
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%)$3,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,439.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$12.50
Prepaid interest, first (26 days)$582.38
Fees + prepaids$10,902.26
Your down payment is the seller’s equity. You take over the $287,877 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $88,025.76 is due at closing. Uses and sources reconcile at $375,902.26 each. Not a Closing Disclosure.