Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$77,043Cash toward the purchase price.
Closing costs + prepaids$11,692Not just lender fees.
Before credits & paid funds$88,735The complete starting cash picture.
Estimated remaining funds due at closing
$88,735No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,042.60
Your down payment$77,042.60
Closing costs + prepaids$11,691.99
Total buyer cash needed$88,734.59
Remaining funds due$88,734.59
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%)$3,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,459.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$922.50
Prepaid interest, first (18 days)$401.70
Fees + prepaids$11,691.99
Your down payment is the seller’s equity. You take over the $291,957 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $88,734.59 is due at closing. Uses and sources reconcile at $380,691.99 each. Not a Closing Disclosure.