Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$101,719Cash toward the purchase price.
Closing costs + prepaids$12,442Not just lender fees.
Before credits & paid funds$114,161The complete starting cash picture.
Estimated remaining funds due at closing
$114,161No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,718.97
Your down payment$101,718.97
Closing costs + prepaids$12,442.40
Total buyer cash needed$114,161.37
Remaining funds due$114,161.37
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%)$3,640.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,311.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,261.50
Initial HOA (3 months)$378.00
Prepaid interest, first (29 days)$633.50
Fees + prepaids$12,442.40
Your down payment is the seller’s equity. You take over the $262,281 balance, so the rest of the $364,000 price is paid at closing. A second mortgage can cover part of it. $114,161.37 is due at closing. Uses and sources reconcile at $376,442.40 each. Not a Closing Disclosure.