Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$92,536Cash toward the purchase price.
Closing costs + prepaids$11,541Not just lender fees.
Before credits & paid funds$104,077The complete starting cash picture.
Estimated remaining funds due at closing
$104,077No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$92,536.32
Your down payment$92,536.32
Closing costs + prepaids$11,540.93
Total buyer cash needed$104,077.25
Remaining funds due$104,077.25
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%)$3,698.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,386.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$624.50
Prepaid interest, first (28 days)$612.76
Fees + prepaids$11,540.93
Your down payment is the seller’s equity. You take over the $277,354 balance, so the rest of the $369,890 price is paid at closing. A second mortgage can cover part of it. $104,077.25 is due at closing. Uses and sources reconcile at $381,430.93 each. Not a Closing Disclosure.