Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$80,491Cash toward the purchase price.
Closing costs + prepaids$11,489Not just lender fees.
Before credits & paid funds$91,981The complete starting cash picture.
Estimated remaining funds due at closing
$91,981No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,491.49
Your down payment$80,491.49
Closing costs + prepaids$11,489.24
Total buyer cash needed$91,980.73
Remaining funds due$91,980.73
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%)$1,422.54
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 (15 days)$742.45
Fees + prepaids$11,489.24
Your down payment is the seller’s equity. You take over the $284,509 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $91,980.73 is due at closing. Uses and sources reconcile at $376,489.24 each. Not a Closing Disclosure.