Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$98,498Cash toward the purchase price.
Closing costs + prepaids$10,503Not just lender fees.
Before credits & paid funds$109,001The complete starting cash picture.
Estimated remaining funds due at closing
$109,001No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$98,498.34
Your down payment$98,498.34
Closing costs + prepaids$10,502.81
Total buyer cash needed$109,001.16
Remaining funds due$109,001.16
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%)$3,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,282.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$305.25
Initial HOA (3 months)$120.00
Prepaid interest, first (1 days)$27.06
Fees + prepaids$10,502.81
Your down payment is the seller’s equity. You take over the $256,502 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $109,001.16 is due at closing. Uses and sources reconcile at $365,502.81 each. Not a Closing Disclosure.