Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$106,227Cash toward the purchase price.
Closing costs + prepaids$12,321Not just lender fees.
Before credits & paid funds$118,548The complete starting cash picture.
Estimated remaining funds due at closing
$118,548No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,226.50
Your down payment$106,226.50
Closing costs + prepaids$12,321.12
Total buyer cash needed$118,547.63
Remaining funds due$118,547.63
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%)$1,268.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$508.50
Initial HOA (3 months)$1,077.00
Prepaid interest, first (31 days)$648.76
Fees + prepaids$12,321.12
Your down payment is the seller’s equity. You take over the $253,773 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $118,547.63 is due at closing. Uses and sources reconcile at $372,321.12 each. Not a Closing Disclosure.