Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$100,547Cash toward the purchase price.
Closing costs + prepaids$12,335Not just lender fees.
Before credits & paid funds$112,882The complete starting cash picture.
Estimated remaining funds due at closing
$112,882No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,547.39
Your down payment$100,547.39
Closing costs + prepaids$12,334.59
Total buyer cash needed$112,881.98
Remaining funds due$112,881.98
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%)$3,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,342.26
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$737.50
Prepaid interest, first (28 days)$1,346.82
Fees + prepaids$12,334.59
Your down payment is the seller’s equity. You take over the $268,453 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $112,881.98 is due at closing. Uses and sources reconcile at $381,334.59 each. Not a Closing Disclosure.