Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$100,602Cash toward the purchase price.
Closing costs + prepaids$11,500Not just lender fees.
Before credits & paid funds$112,102The complete starting cash picture.
Estimated remaining funds due at closing
$112,102No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,602.06
Your down payment$100,602.06
Closing costs + prepaids$11,500.14
Total buyer cash needed$112,102.20
Remaining funds due$112,102.20
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%)$3,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,296.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$851.00
Prepaid interest, first (26 days)$535.65
Fees + prepaids$11,500.14
Your down payment is the seller’s equity. You take over the $259,298 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $112,102.20 is due at closing. Uses and sources reconcile at $371,400.14 each. Not a Closing Disclosure.