Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$216,445Cash toward the purchase price.
Closing costs + prepaids$10,878Not just lender fees.
Before credits & paid funds$227,323The complete starting cash picture.
Estimated remaining funds due at closing
$227,323No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$216,444.53
Your down payment$216,444.53
Closing costs + prepaids$10,878.23
Total buyer cash needed$227,322.76
Remaining funds due$227,322.76
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%)$667.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$413.00
Initial HOA (3 months)$1,068.00
Prepaid interest, first (1 days)$11.45
Fees + prepaids$10,878.23
Your down payment is the seller’s equity. You take over the $133,555 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $227,322.76 is due at closing. Uses and sources reconcile at $360,878.23 each. Not a Closing Disclosure.