Follow the dollars · Assumption only
A complete cash picture for Dec 26, 2026
Your down payment$106,076Cash toward the purchase price.
Closing costs + prepaids$10,714Not just lender fees.
Before credits & paid funds$116,790The complete starting cash picture.
Estimated remaining funds due at closing
$116,790No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,075.73
Your down payment$106,075.73
Closing costs + prepaids$10,714.11
Total buyer cash needed$116,789.84
Remaining funds due$116,789.84
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%)$3,640.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,289.62
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$436.75
Prepaid interest, first (6 days)$129.74
Fees + prepaids$10,714.11
Your down payment is the seller’s equity. You take over the $257,924 balance, so the rest of the $364,000 price is paid at closing. A second mortgage can cover part of it. $116,789.84 is due at closing. Uses and sources reconcile at $374,714.11 each. Not a Closing Disclosure.