Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$324,731Cash toward the purchase price.
Closing costs + prepaids$9,683Not just lender fees.
Before credits & paid funds$334,414The complete starting cash picture.
Estimated remaining funds due at closing
$334,414No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$324,730.91
Your down payment$324,730.91
Closing costs + prepaids$9,682.95
Total buyer cash needed$334,413.86
Remaining funds due$334,413.86
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%)$3,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$225.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$531.50
Prepaid interest, first (1 days)$8.60
Fees + prepaids$9,682.95
Your down payment is the seller’s equity. You take over the $45,169 balance, so the rest of the $369,900 price is paid at closing. A second mortgage can cover part of it. $334,413.86 is due at closing. Uses and sources reconcile at $379,582.95 each. Not a Closing Disclosure.