Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$84,990Cash toward the purchase price.
Closing costs + prepaids$11,552Not just lender fees.
Before credits & paid funds$96,542The complete starting cash picture.
Estimated remaining funds due at closing
$96,542No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$84,990.02
Your down payment$84,990.02
Closing costs + prepaids$11,552.01
Total buyer cash needed$96,542.02
Remaining funds due$96,542.02
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%)$3,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,400.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$665.00
Initial HOA (3 months)$95.76
Prepaid interest, first (22 days)$523.20
Fees + prepaids$11,552.01
Your down payment is the seller’s equity. You take over the $280,010 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $96,542.02 is due at closing. Uses and sources reconcile at $376,552.01 each. Not a Closing Disclosure.