Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$289,688Cash toward the purchase price.
Closing costs + prepaids$10,162Not just lender fees.
Before credits & paid funds$299,850The complete starting cash picture.
Estimated remaining funds due at closing
$299,850No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$289,687.92
Your down payment$289,687.92
Closing costs + prepaids$10,161.67
Total buyer cash needed$299,849.60
Remaining funds due$299,849.60
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%)$3,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$401.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$305.00
Initial HOA (3 months)$267.00
Prepaid interest, first (31 days)$270.11
Fees + prepaids$10,161.67
Your down payment is the seller’s equity. You take over the $80,312 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $299,849.60 is due at closing. Uses and sources reconcile at $380,161.67 each. Not a Closing Disclosure.