Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$72,052Cash toward the purchase price.
Closing costs + prepaids$11,137Not just lender fees.
Before credits & paid funds$83,190The complete starting cash picture.
Estimated remaining funds due at closing
$83,190No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,052.31
Your down payment$72,052.31
Closing costs + prepaids$11,137.25
Total buyer cash needed$83,189.56
Remaining funds due$83,189.56
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%)$3,659.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,469.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$165.00
Prepaid interest, first (27 days)$626.02
Fees + prepaids$11,137.25
Your down payment is the seller’s equity. You take over the $293,848 balance, so the rest of the $365,900 price is paid at closing. A second mortgage can cover part of it. $83,189.56 is due at closing. Uses and sources reconcile at $377,037.25 each. Not a Closing Disclosure.