Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$274,336Cash toward the purchase price.
Closing costs + prepaids$10,010Not just lender fees.
Before credits & paid funds$284,346The complete starting cash picture.
Estimated remaining funds due at closing
$284,346No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$274,335.79
Your down payment$274,335.79
Closing costs + prepaids$10,010.26
Total buyer cash needed$284,346.05
Remaining funds due$284,346.05
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%)$453.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$438.00
Initial HOA (3 months)$168.00
Prepaid interest, first (9 days)$82.94
Fees + prepaids$10,010.26
Your down payment is the seller’s equity. You take over the $90,664 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $284,346.05 is due at closing. Uses and sources reconcile at $375,010.26 each. Not a Closing Disclosure.