Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$77,139Cash toward the purchase price.
Closing costs + prepaids$11,598Not just lender fees.
Before credits & paid funds$88,736The complete starting cash picture.
Estimated remaining funds due at closing
$88,736No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,138.85
Your down payment$77,138.85
Closing costs + prepaids$11,597.55
Total buyer cash needed$88,736.40
Remaining funds due$88,736.40
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%)$3,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,414.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$52.25
Initial HOA (3 months)$669.00
Prepaid interest, first (30 days)$643.99
Fees + prepaids$11,597.55
Your down payment is the seller’s equity. You take over the $282,861 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $88,736.40 is due at closing. Uses and sources reconcile at $371,597.55 each. Not a Closing Disclosure.