Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$249,398Cash toward the purchase price.
Closing costs + prepaids$9,960Not just lender fees.
Before credits & paid funds$259,359The complete starting cash picture.
Estimated remaining funds due at closing
$259,359No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$249,398.47
Your down payment$249,398.47
Closing costs + prepaids$9,960.46
Total buyer cash needed$259,358.92
Remaining funds due$259,358.92
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%)$3,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$603.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$426.00
Prepaid interest, first (1 days)$13.45
Fees + prepaids$9,960.46
Your down payment is the seller’s equity. You take over the $120,602 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $259,358.92 is due at closing. Uses and sources reconcile at $379,960.46 each. Not a Closing Disclosure.