Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$107,784Cash toward the purchase price.
Closing costs + prepaids$9,854Not just lender fees.
Before credits & paid funds$117,638The complete starting cash picture.
Estimated remaining funds due at closing
$117,638No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,784.21
Your down payment$107,784.21
Closing costs + prepaids$9,853.74
Total buyer cash needed$117,637.94
Remaining funds due$117,637.94
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%)$3,240.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,081.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$273.25
Prepaid interest, first (1 days)$41.41
Fees + prepaids$9,853.74
Your down payment is the seller’s equity. You take over the $216,216 balance, so the rest of the $324,000 price is paid at closing. A second mortgage can cover part of it. $117,637.94 is due at closing. Uses and sources reconcile at $333,853.74 each. Not a Closing Disclosure.