Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$227,639Cash toward the purchase price.
Closing costs + prepaids$10,663Not just lender fees.
Before credits & paid funds$238,301The complete starting cash picture.
Estimated remaining funds due at closing
$238,301No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,638.72
Your down payment$227,638.72
Closing costs + prepaids$10,662.71
Total buyer cash needed$238,301.42
Remaining funds due$238,301.42
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%)$3,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$661.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$641.75
Initial HOA (3 months)$135.00
Prepaid interest, first (28 days)$406.15
Fees + prepaids$10,662.71
Your down payment is the seller’s equity. You take over the $132,361 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $238,301.42 is due at closing. Uses and sources reconcile at $370,662.71 each. Not a Closing Disclosure.