Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$107,722Cash toward the purchase price.
Closing costs + prepaids$11,317Not just lender fees.
Before credits & paid funds$119,039The complete starting cash picture.
Estimated remaining funds due at closing
$119,039No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,722.20
Your down payment$107,722.20
Closing costs + prepaids$11,316.90
Total buyer cash needed$119,039.11
Remaining funds due$119,039.11
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%)$3,725.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,323.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$26.25
Initial HOA (3 months)$420.00
Prepaid interest, first (29 days)$603.77
Fees + prepaids$11,316.90
Your down payment is the seller’s equity. You take over the $264,778 balance, so the rest of the $372,500 price is paid at closing. A second mortgage can cover part of it. $119,039.11 is due at closing. Uses and sources reconcile at $383,816.90 each. Not a Closing Disclosure.