Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$116,941Cash toward the purchase price.
Closing costs + prepaids$11,270Not just lender fees.
Before credits & paid funds$128,212The complete starting cash picture.
Estimated remaining funds due at closing
$128,212No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$116,941.21
Your down payment$116,941.21
Closing costs + prepaids$11,270.46
Total buyer cash needed$128,211.67
Remaining funds due$128,211.67
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%)$1,240.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$456.25
Prepaid interest, first (17 days)$705.91
Fees + prepaids$11,270.46
Your down payment is the seller’s equity. You take over the $248,059 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $128,211.67 is due at closing. Uses and sources reconcile at $376,270.46 each. Not a Closing Disclosure.