Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$87,952Cash toward the purchase price.
Closing costs + prepaids$11,892Not just lender fees.
Before credits & paid funds$99,844The complete starting cash picture.
Estimated remaining funds due at closing
$99,844No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,952.41
Your down payment$87,952.41
Closing costs + prepaids$11,891.98
Total buyer cash needed$99,844.39
Remaining funds due$99,844.39
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%)$3,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,405.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$759.00
Initial HOA (3 months)$300.00
Prepaid interest, first (18 days)$519.75
Fees + prepaids$11,891.98
Your down payment is the seller’s equity. You take over the $281,048 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $99,844.39 is due at closing. Uses and sources reconcile at $380,891.98 each. Not a Closing Disclosure.