Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$118,874Cash toward the purchase price.
Closing costs + prepaids$11,589Not just lender fees.
Before credits & paid funds$130,463The complete starting cash picture.
Estimated remaining funds due at closing
$130,463No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$118,874.20
Your down payment$118,874.20
Closing costs + prepaids$11,588.61
Total buyer cash needed$130,462.80
Remaining funds due$130,462.80
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%)$1,205.63
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,060.00
Prepaid interest, first (26 days)$504.98
Fees + prepaids$11,588.61
Your down payment is the seller’s equity. You take over the $241,126 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $130,462.80 is due at closing. Uses and sources reconcile at $371,588.61 each. Not a Closing Disclosure.