Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$87,952Cash toward the purchase price.
Closing costs + prepaids$12,152Not just lender fees.
Before credits & paid funds$100,104The complete starting cash picture.
Estimated remaining funds due at closing
$100,104No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,952.41
Your down payment$87,952.41
Closing costs + prepaids$12,151.86
Total buyer cash needed$100,104.27
Remaining funds due$100,104.27
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%)$3,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,405.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$759.00
Initial HOA (3 months)$300.00
Prepaid interest, first (27 days)$779.62
Fees + prepaids$12,151.86
Your down payment is the seller’s equity. You take over the $281,048 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $100,104.27 is due at closing. Uses and sources reconcile at $381,151.86 each. Not a Closing Disclosure.