Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$84,004Cash toward the purchase price.
Closing costs + prepaids$12,595Not just lender fees.
Before credits & paid funds$96,599The complete starting cash picture.
Estimated remaining funds due at closing
$96,599No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,004.27
Your down payment$84,004.27
Closing costs + prepaids$12,594.80
Total buyer cash needed$96,599.06
Remaining funds due$96,599.06
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%)$3,680.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,419.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$195.75
Initial HOA (3 months)$687.00
Prepaid interest, first (23 days)$1,394.07
Fees + prepaids$12,594.80
Your down payment is the seller’s equity. You take over the $283,996 balance, so the rest of the $368,000 price is paid at closing. A second mortgage can cover part of it. $96,599.06 is due at closing. Uses and sources reconcile at $380,594.80 each. Not a Closing Disclosure.