Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$267,090Cash toward the purchase price.
Closing costs + prepaids$10,489Not just lender fees.
Before credits & paid funds$277,579The complete starting cash picture.
Estimated remaining funds due at closing
$277,579No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$267,089.58
Your down payment$267,089.58
Closing costs + prepaids$10,489.31
Total buyer cash needed$277,578.89
Remaining funds due$277,578.89
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%)$3,579.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$454.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$416.25
Initial HOA (3 months)$603.99
Prepaid interest, first (23 days)$218.02
Fees + prepaids$10,489.31
Your down payment is the seller’s equity. You take over the $90,810 balance, so the rest of the $357,900 price is paid at closing. A second mortgage can cover part of it. $277,578.89 is due at closing. Uses and sources reconcile at $368,389.31 each. Not a Closing Disclosure.