Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$87,952Cash toward the purchase price.
Closing costs + prepaids$12,210Not just lender fees.
Before credits & paid funds$100,162The complete starting cash picture.
Estimated remaining funds due at closing
$100,162No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,952.41
Your down payment$87,952.41
Closing costs + prepaids$12,209.61
Total buyer cash needed$100,162.02
Remaining funds due$100,162.02
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%)$1,405.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$759.00
Initial HOA (3 months)$300.00
Prepaid interest, first (29 days)$837.37
Fees + prepaids$12,209.61
Your down payment is the seller’s equity. You take over the $281,048 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $100,162.02 is due at closing. Uses and sources reconcile at $381,209.61 each. Not a Closing Disclosure.