Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$20,496Cash toward the purchase price.
Closing costs + prepaids$10,556Not just lender fees.
Before credits & paid funds$31,052The complete starting cash picture.
Estimated remaining funds due at closing
$31,052No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,496.10
Your down payment$20,496.10
Closing costs + prepaids$10,556.11
Total buyer cash needed$31,052.22
Remaining funds due$31,052.22
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%)$3,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,647.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$129.75
Prepaid interest, first (1 days)$60.85
Fees + prepaids$10,556.11
Your down payment is the seller’s equity. You take over the $329,504 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $31,052.22 is due at closing. Uses and sources reconcile at $360,556.11 each. Not a Closing Disclosure.