Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$85,754Cash toward the purchase price.
Closing costs + prepaids$12,075Not just lender fees.
Before credits & paid funds$97,829The complete starting cash picture.
Estimated remaining funds due at closing
$97,829No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,753.69
Your down payment$85,753.69
Closing costs + prepaids$12,074.88
Total buyer cash needed$97,828.57
Remaining funds due$97,828.57
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%)$3,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,420.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$446.00
Initial HOA (3 months)$690.00
Prepaid interest, first (27 days)$601.14
Fees + prepaids$12,074.88
Your down payment is the seller’s equity. You take over the $284,146 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $97,828.57 is due at closing. Uses and sources reconcile at $381,974.88 each. Not a Closing Disclosure.