Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$133,438Cash toward the purchase price.
Closing costs + prepaids$10,812Not just lender fees.
Before credits & paid funds$144,250The complete starting cash picture.
Estimated remaining funds due at closing
$144,250No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$133,437.85
Your down payment$133,437.85
Closing costs + prepaids$10,812.31
Total buyer cash needed$144,250.16
Remaining funds due$144,250.16
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%)$3,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,082.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$411.75
Initial HOA (3 months)$585.00
Prepaid interest, first (1 days)$16.25
Fees + prepaids$10,812.31
Your down payment is the seller’s equity. You take over the $216,462 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $144,250.16 is due at closing. Uses and sources reconcile at $360,712.31 each. Not a Closing Disclosure.