Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$85,399Cash toward the purchase price.
Closing costs + prepaids$10,565Not just lender fees.
Before credits & paid funds$95,964The complete starting cash picture.
Estimated remaining funds due at closing
$95,964No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,399.04
Your down payment$85,399.04
Closing costs + prepaids$10,564.99
Total buyer cash needed$95,964.03
Remaining funds due$95,964.03
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%)$3,349.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,247.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$453.75
Initial HOA (3 months)$278.01
Prepaid interest, first (1 days)$18.73
Fees + prepaids$10,564.99
Your down payment is the seller’s equity. You take over the $249,501 balance, so the rest of the $334,900 price is paid at closing. A second mortgage can cover part of it. $95,964.03 is due at closing. Uses and sources reconcile at $345,464.99 each. Not a Closing Disclosure.