Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$111,572Cash toward the purchase price.
Closing costs + prepaids$12,701Not just lender fees.
Before credits & paid funds$124,273The complete starting cash picture.
Estimated remaining funds due at closing
$124,273No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,572.11
Your down payment$111,572.11
Closing costs + prepaids$12,700.51
Total buyer cash needed$124,272.62
Remaining funds due$124,272.62
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%)$3,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,292.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,278.50
Initial HOA (3 months)$729.00
Prepaid interest, first (22 days)$482.87
Fees + prepaids$12,700.51
Your down payment is the seller’s equity. You take over the $258,428 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $124,272.62 is due at closing. Uses and sources reconcile at $382,700.51 each. Not a Closing Disclosure.