Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$121,503Cash toward the purchase price.
Closing costs + prepaids$10,620Not just lender fees.
Before credits & paid funds$132,123The complete starting cash picture.
Estimated remaining funds due at closing
$132,123No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$121,502.72
Your down payment$121,502.72
Closing costs + prepaids$10,620.46
Total buyer cash needed$132,123.19
Remaining funds due$132,123.19
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%)$3,694.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,239.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$431.00
Prepaid interest, first (2 days)$37.23
Fees + prepaids$10,620.46
Your down payment is the seller’s equity. You take over the $247,947 balance, so the rest of the $369,450 price is paid at closing. A second mortgage can cover part of it. $132,123.19 is due at closing. Uses and sources reconcile at $380,070.46 each. Not a Closing Disclosure.