Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$57,523Cash toward the purchase price.
Closing costs + prepaids$10,846Not just lender fees.
Before credits & paid funds$68,369The complete starting cash picture.
Estimated remaining funds due at closing
$68,369No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,523.02
Your down payment$57,523.02
Closing costs + prepaids$10,845.92
Total buyer cash needed$68,368.95
Remaining funds due$68,368.95
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%)$1,462.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$385.50
Initial HOA (3 months)$231.00
Prepaid interest, first (1 days)$49.04
Fees + prepaids$10,845.92
Your down payment is the seller’s equity. You take over the $292,477 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $68,368.95 is due at closing. Uses and sources reconcile at $360,845.92 each. Not a Closing Disclosure.