Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$267,051Cash toward the purchase price.
Closing costs + prepaids$10,079Not just lender fees.
Before credits & paid funds$277,130The complete starting cash picture.
Estimated remaining funds due at closing
$277,130No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$267,051.02
Your down payment$267,051.02
Closing costs + prepaids$10,079.33
Total buyer cash needed$277,130.35
Remaining funds due$277,130.35
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%)$3,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$464.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$347.00
Initial HOA (3 months)$153.00
Prepaid interest, first (31 days)$298.08
Fees + prepaids$10,079.33
Your down payment is the seller’s equity. You take over the $92,849 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $277,130.35 is due at closing. Uses and sources reconcile at $369,979.33 each. Not a Closing Disclosure.