Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$77,517Cash toward the purchase price.
Closing costs + prepaids$11,933Not just lender fees.
Before credits & paid funds$89,450The complete starting cash picture.
Estimated remaining funds due at closing
$89,450No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,516.92
Your down payment$77,516.92
Closing costs + prepaids$11,933.14
Total buyer cash needed$89,450.06
Remaining funds due$89,450.06
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%)$3,680.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,452.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$931.50
Initial HOA (3 months)$120.00
Prepaid interest, first (25 days)$531.23
Fees + prepaids$11,933.14
Your down payment is the seller’s equity. You take over the $290,483 balance, so the rest of the $368,000 price is paid at closing. A second mortgage can cover part of it. $89,450.06 is due at closing. Uses and sources reconcile at $379,933.14 each. Not a Closing Disclosure.