Follow the dollars · Assumption only
A complete cash picture for Dec 3, 2026
Your down payment$116,665Cash toward the purchase price.
Closing costs + prepaids$11,910Not just lender fees.
Before credits & paid funds$128,574The complete starting cash picture.
Estimated remaining funds due at closing
$128,574No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,664.95
Your down payment$116,664.95
Closing costs + prepaids$11,909.55
Total buyer cash needed$128,574.50
Remaining funds due$128,574.50
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%)$1,216.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$705.25
Prepaid interest, first (29 days)$1,171.13
Fees + prepaids$11,909.55
Your down payment is the seller’s equity. You take over the $243,235 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $128,574.50 is due at closing. Uses and sources reconcile at $371,809.55 each. Not a Closing Disclosure.