Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$102,867Cash toward the purchase price.
Closing costs + prepaids$10,688Not just lender fees.
Before credits & paid funds$113,556The complete starting cash picture.
Estimated remaining funds due at closing
$113,556No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$102,867.20
Your down payment$102,867.20
Closing costs + prepaids$10,688.50
Total buyer cash needed$113,555.70
Remaining funds due$113,555.70
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%)$3,499.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,235.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$437.25
Initial HOA (3 months)$276.00
Prepaid interest, first (1 days)$21.73
Fees + prepaids$10,688.50
Your down payment is the seller’s equity. You take over the $247,123 balance, so the rest of the $349,990 price is paid at closing. A second mortgage can cover part of it. $113,555.70 is due at closing. Uses and sources reconcile at $360,678.50 each. Not a Closing Disclosure.