Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$111,718Cash toward the purchase price.
Closing costs + prepaids$10,536Not just lender fees.
Before credits & paid funds$122,254The complete starting cash picture.
Estimated remaining funds due at closing
$122,254No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$111,718.13
Your down payment$111,718.13
Closing costs + prepaids$10,535.81
Total buyer cash needed$122,253.94
Remaining funds due$122,253.94
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%)$3,480.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,181.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$552.25
Initial HOA (3 months)$84.99
Prepaid interest, first (1 days)$19.16
Fees + prepaids$10,535.81
Your down payment is the seller’s equity. You take over the $236,282 balance, so the rest of the $348,000 price is paid at closing. A second mortgage can cover part of it. $122,253.94 is due at closing. Uses and sources reconcile at $358,535.81 each. Not a Closing Disclosure.