Follow the dollars · Assumption only
A complete cash picture for Dec 18, 2026
Your down payment$77,517Cash toward the purchase price.
Closing costs + prepaids$11,228Not just lender fees.
Before credits & paid funds$88,745The complete starting cash picture.
Estimated remaining funds due at closing
$88,745No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,516.92
Your down payment$77,516.92
Closing costs + prepaids$11,227.90
Total buyer cash needed$88,744.82
Remaining funds due$88,744.82
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%)$3,680.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,452.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$460.00
Initial HOA (3 months)$120.00
Prepaid interest, first (14 days)$297.49
Fees + prepaids$11,227.90
Your down payment is the seller’s equity. You take over the $290,483 balance, so the rest of the $368,000 price is paid at closing. A second mortgage can cover part of it. $88,744.82 is due at closing. Uses and sources reconcile at $379,227.90 each. Not a Closing Disclosure.