Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$84,906Cash toward the purchase price.
Closing costs + prepaids$12,398Not just lender fees.
Before credits & paid funds$97,304The complete starting cash picture.
Estimated remaining funds due at closing
$97,304No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,905.93
Your down payment$84,905.93
Closing costs + prepaids$12,398.47
Total buyer cash needed$97,304.41
Remaining funds due$97,304.41
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%)$1,400.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,423.50
Initial HOA (3 months)$153.99
Prepaid interest, first (24 days)$552.51
Fees + prepaids$12,398.47
Your down payment is the seller’s equity. You take over the $280,094 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $97,304.41 is due at closing. Uses and sources reconcile at $377,398.47 each. Not a Closing Disclosure.