Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$195,477Cash toward the purchase price.
Closing costs + prepaids$10,031Not just lender fees.
Before credits & paid funds$205,508The complete starting cash picture.
Estimated remaining funds due at closing
$205,508No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$195,477.41
Your down payment$195,477.41
Closing costs + prepaids$10,030.74
Total buyer cash needed$205,508.15
Remaining funds due$205,508.15
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%)$772.61
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$398.25
Initial HOA (3 months)$123.00
Prepaid interest, first (1 days)$18.88
Fees + prepaids$10,030.74
Your down payment is the seller’s equity. You take over the $154,523 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $205,508.15 is due at closing. Uses and sources reconcile at $360,030.74 each. Not a Closing Disclosure.