Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$232,856Cash toward the purchase price.
Closing costs + prepaids$10,613Not just lender fees.
Before credits & paid funds$243,469The complete starting cash picture.
Estimated remaining funds due at closing
$243,469No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$232,856.48
Your down payment$232,856.48
Closing costs + prepaids$10,612.94
Total buyer cash needed$243,469.42
Remaining funds due$243,469.42
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%)$635.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$624.75
Initial HOA (3 months)$210.00
Prepaid interest, first (27 days)$324.48
Fees + prepaids$10,612.94
Your down payment is the seller’s equity. You take over the $127,144 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $243,469.42 is due at closing. Uses and sources reconcile at $370,612.94 each. Not a Closing Disclosure.