Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$271,869Cash toward the purchase price.
Closing costs + prepaids$9,637Not just lender fees.
Before credits & paid funds$281,506The complete starting cash picture.
Estimated remaining funds due at closing
$281,506No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$271,868.60
Your down payment$271,868.60
Closing costs + prepaids$9,637.02
Total buyer cash needed$281,505.61
Remaining funds due$281,505.61
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%)$3,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$415.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$445.00
Prepaid interest, first (1 days)$8.36
Fees + prepaids$9,637.02
Your down payment is the seller’s equity. You take over the $83,131 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $281,505.61 is due at closing. Uses and sources reconcile at $364,637.02 each. Not a Closing Disclosure.