Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$26,706Cash toward the purchase price.
Closing costs + prepaids$11,180Not just lender fees.
Before credits & paid funds$37,887The complete starting cash picture.
Estimated remaining funds due at closing
$37,887No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,706.27
Your down payment$26,706.27
Closing costs + prepaids$11,180.32
Total buyer cash needed$37,886.59
Remaining funds due$37,886.59
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%)$1,616.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$719.00
Initial HOA (3 months)$69.99
Prepaid interest, first (1 days)$56.86
Fees + prepaids$11,180.32
Your down payment is the seller’s equity. You take over the $323,294 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $37,886.59 is due at closing. Uses and sources reconcile at $361,180.32 each. Not a Closing Disclosure.