Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$88,254Cash toward the purchase price.
Closing costs + prepaids$11,981Not just lender fees.
Before credits & paid funds$100,235The complete starting cash picture.
Estimated remaining funds due at closing
$100,235No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$88,253.74
Your down payment$88,253.74
Closing costs + prepaids$11,981.18
Total buyer cash needed$100,234.92
Remaining funds due$100,234.92
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%)$1,403.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$308.00
Initial HOA (3 months)$255.00
Prepaid interest, first (21 days)$1,106.45
Fees + prepaids$11,981.18
Your down payment is the seller’s equity. You take over the $280,746 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $100,234.92 is due at closing. Uses and sources reconcile at $380,981.18 each. Not a Closing Disclosure.