Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$128,445Cash toward the purchase price.
Closing costs + prepaids$10,641Not just lender fees.
Before credits & paid funds$139,086The complete starting cash picture.
Estimated remaining funds due at closing
$139,086No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$128,445.47
Your down payment$128,445.47
Closing costs + prepaids$10,640.90
Total buyer cash needed$139,086.37
Remaining funds due$139,086.37
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%)$3,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,107.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$515.75
Initial HOA (3 months)$276.00
Prepaid interest, first (1 days)$24.88
Fees + prepaids$10,640.90
Your down payment is the seller’s equity. You take over the $221,455 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $139,086.37 is due at closing. Uses and sources reconcile at $360,540.90 each. Not a Closing Disclosure.