Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$227,639Cash toward the purchase price.
Closing costs + prepaids$10,326Not just lender fees.
Before credits & paid funds$237,965The complete starting cash picture.
Estimated remaining funds due at closing
$237,965No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$227,638.72
Your down payment$227,638.72
Closing costs + prepaids$10,325.90
Total buyer cash needed$237,964.62
Remaining funds due$237,964.62
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%)$661.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$450.00
Initial HOA (3 months)$135.00
Prepaid interest, first (18 days)$261.10
Fees + prepaids$10,325.90
Your down payment is the seller’s equity. You take over the $132,361 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $237,964.62 is due at closing. Uses and sources reconcile at $370,325.90 each. Not a Closing Disclosure.