Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$266,873Cash toward the purchase price.
Closing costs + prepaids$9,820Not just lender fees.
Before credits & paid funds$276,692The complete starting cash picture.
Estimated remaining funds due at closing
$276,692No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$266,872.95
Your down payment$266,872.95
Closing costs + prepaids$9,819.52
Total buyer cash needed$276,692.46
Remaining funds due$276,692.46
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%)$465.64
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$303.50
Prepaid interest, first (23 days)$232.38
Fees + prepaids$9,819.52
Your down payment is the seller’s equity. You take over the $93,127 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $276,692.46 is due at closing. Uses and sources reconcile at $369,819.52 each. Not a Closing Disclosure.