Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$81,919Cash toward the purchase price.
Closing costs + prepaids$11,540Not just lender fees.
Before credits & paid funds$93,458The complete starting cash picture.
Estimated remaining funds due at closing
$93,458No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$81,918.55
Your down payment$81,918.55
Closing costs + prepaids$11,539.75
Total buyer cash needed$93,458.30
Remaining funds due$93,458.30
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%)$3,625.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,402.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$453.25
Prepaid interest, first (15 days)$840.59
Fees + prepaids$11,539.75
Your down payment is the seller’s equity. You take over the $280,581 balance, so the rest of the $362,500 price is paid at closing. A second mortgage can cover part of it. $93,458.30 is due at closing. Uses and sources reconcile at $374,039.75 each. Not a Closing Disclosure.