Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$190,642Cash toward the purchase price.
Closing costs + prepaids$10,852Not just lender fees.
Before credits & paid funds$201,494The complete starting cash picture.
Estimated remaining funds due at closing
$201,494No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$190,642.07
Your down payment$190,642.07
Closing costs + prepaids$10,851.68
Total buyer cash needed$201,493.75
Remaining funds due$201,493.75
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%)$846.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$858.75
Prepaid interest, first (26 days)$328.14
Fees + prepaids$10,851.68
Your down payment is the seller’s equity. You take over the $169,358 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $201,493.75 is due at closing. Uses and sources reconcile at $370,851.68 each. Not a Closing Disclosure.