Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$115,005Cash toward the purchase price.
Closing costs + prepaids$11,430Not just lender fees.
Before credits & paid funds$126,435The complete starting cash picture.
Estimated remaining funds due at closing
$126,435No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$115,004.64
Your down payment$115,004.64
Closing costs + prepaids$11,429.99
Total buyer cash needed$126,434.63
Remaining funds due$126,434.63
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%)$3,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,224.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$490.00
Initial HOA (3 months)$315.00
Prepaid interest, first (29 days)$582.02
Fees + prepaids$11,429.99
Your down payment is the seller’s equity. You take over the $244,995 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $126,434.63 is due at closing. Uses and sources reconcile at $371,429.99 each. Not a Closing Disclosure.