Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$207,733Cash toward the purchase price.
Closing costs + prepaids$10,331Not just lender fees.
Before credits & paid funds$218,064The complete starting cash picture.
Estimated remaining funds due at closing
$218,064No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$207,732.96
Your down payment$207,732.96
Closing costs + prepaids$10,331.35
Total buyer cash needed$218,064.30
Remaining funds due$218,064.30
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%)$761.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$393.50
Initial HOA (3 months)$12.51
Prepaid interest, first (29 days)$346.00
Fees + prepaids$10,331.35
Your down payment is the seller’s equity. You take over the $152,267 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $218,064.30 is due at closing. Uses and sources reconcile at $370,331.35 each. Not a Closing Disclosure.