Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$170,487Cash toward the purchase price.
Closing costs + prepaids$10,031Not just lender fees.
Before credits & paid funds$180,517The complete starting cash picture.
Estimated remaining funds due at closing
$180,517No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$170,486.94
Your down payment$170,486.94
Closing costs + prepaids$10,030.51
Total buyer cash needed$180,517.45
Remaining funds due$180,517.45
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%)$3,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$942.57
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$261.25
Prepaid interest, first (1 days)$18.70
Fees + prepaids$10,030.51
Your down payment is the seller’s equity. You take over the $188,513 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $180,517.45 is due at closing. Uses and sources reconcile at $369,030.51 each. Not a Closing Disclosure.