Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$83,990Cash toward the purchase price.
Closing costs + prepaids$10,702Not just lender fees.
Before credits & paid funds$94,692The complete starting cash picture.
Estimated remaining funds due at closing
$94,692No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,990.10
Your down payment$83,990.10
Closing costs + prepaids$10,702.22
Total buyer cash needed$94,692.32
Remaining funds due$94,692.32
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%)$3,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,325.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$374.75
Initial HOA (3 months)$273.00
Prepaid interest, first (1 days)$21.42
Fees + prepaids$10,702.22
Your down payment is the seller’s equity. You take over the $265,010 balance, so the rest of the $349,000 price is paid at closing. A second mortgage can cover part of it. $94,692.32 is due at closing. Uses and sources reconcile at $359,702.22 each. Not a Closing Disclosure.