Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$264,799Cash toward the purchase price.
Closing costs + prepaids$10,378Not just lender fees.
Before credits & paid funds$275,178The complete starting cash picture.
Estimated remaining funds due at closing
$275,178No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$264,799.24
Your down payment$264,799.24
Closing costs + prepaids$10,378.36
Total buyer cash needed$275,177.60
Remaining funds due$275,177.60
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%)$3,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$501.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$288.00
Initial HOA (3 months)$135.00
Prepaid interest, first (31 days)$586.35
Fees + prepaids$10,378.36
Your down payment is the seller’s equity. You take over the $100,201 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $275,177.60 is due at closing. Uses and sources reconcile at $375,378.36 each. Not a Closing Disclosure.