Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$72,610Cash toward the purchase price.
Closing costs + prepaids$12,223Not just lender fees.
Before credits & paid funds$84,833The complete starting cash picture.
Estimated remaining funds due at closing
$84,833No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,609.95
Your down payment$72,609.95
Closing costs + prepaids$12,223.42
Total buyer cash needed$84,833.37
Remaining funds due$84,833.37
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%)$3,649.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,461.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$466.75
Prepaid interest, first (29 days)$1,428.22
Fees + prepaids$12,223.42
Your down payment is the seller’s equity. You take over the $292,290 balance, so the rest of the $364,900 price is paid at closing. A second mortgage can cover part of it. $84,833.37 is due at closing. Uses and sources reconcile at $377,123.42 each. Not a Closing Disclosure.