Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$251,058Cash toward the purchase price.
Closing costs + prepaids$10,187Not just lender fees.
Before credits & paid funds$261,245The complete starting cash picture.
Estimated remaining funds due at closing
$261,245No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$251,057.75
Your down payment$251,057.75
Closing costs + prepaids$10,186.83
Total buyer cash needed$261,244.58
Remaining funds due$261,244.58
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%)$569.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$388.75
Prepaid interest, first (26 days)$360.37
Fees + prepaids$10,186.83
Your down payment is the seller’s equity. You take over the $113,942 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $261,244.58 is due at closing. Uses and sources reconcile at $375,186.83 each. Not a Closing Disclosure.