Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$287,276Cash toward the purchase price.
Closing costs + prepaids$11,100Not just lender fees.
Before credits & paid funds$298,376The complete starting cash picture.
Estimated remaining funds due at closing
$298,376No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$287,275.75
Your down payment$287,275.75
Closing costs + prepaids$11,100.40
Total buyer cash needed$298,376.15
Remaining funds due$298,376.15
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%)$388.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,526.75
Initial HOA (3 months)$67.50
Prepaid interest, first (31 days)$249.53
Fees + prepaids$11,100.40
Your down payment is the seller’s equity. You take over the $77,724 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $298,376.15 is due at closing. Uses and sources reconcile at $376,100.40 each. Not a Closing Disclosure.