Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$365,000Cash toward the purchase price.
Closing costs + prepaids$9,161Not just lender fees.
Before credits & paid funds$374,160The complete starting cash picture.
Estimated remaining funds due at closing
$374,160No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$365,000.00
Your down payment$365,000.00
Closing costs + prepaids$9,160.50
Total buyer cash needed$374,160.50
Remaining funds due$374,160.50
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%)$0.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$292.50
Prepaid interest, first (27 days)$0.00
Fees + prepaids$9,160.50
Your down payment is the seller’s equity. You take over the $0 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $374,160.50 is due at closing. Uses and sources reconcile at $374,160.50 each. Not a Closing Disclosure.