Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$78,302Cash toward the purchase price.
Closing costs + prepaids$11,477Not just lender fees.
Before credits & paid funds$89,780The complete starting cash picture.
Estimated remaining funds due at closing
$89,780No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,302.47
Your down payment$78,302.47
Closing costs + prepaids$11,477.26
Total buyer cash needed$89,779.74
Remaining funds due$89,779.74
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%)$1,433.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$496.50
Prepaid interest, first (23 days)$679.28
Fees + prepaids$11,477.26
Your down payment is the seller’s equity. You take over the $286,698 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $89,779.74 is due at closing. Uses and sources reconcile at $376,477.26 each. Not a Closing Disclosure.