Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$126,237Cash toward the purchase price.
Closing costs + prepaids$10,667Not just lender fees.
Before credits & paid funds$136,904The complete starting cash picture.
Estimated remaining funds due at closing
$136,904No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,237.07
Your down payment$126,237.07
Closing costs + prepaids$10,666.78
Total buyer cash needed$136,903.85
Remaining funds due$136,903.85
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%)$1,118.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$421.25
Initial HOA (3 months)$375.00
Prepaid interest, first (2 days)$33.72
Fees + prepaids$10,666.78
Your down payment is the seller’s equity. You take over the $223,763 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $136,903.85 is due at closing. Uses and sources reconcile at $360,666.78 each. Not a Closing Disclosure.