Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$101,764Cash toward the purchase price.
Closing costs + prepaids$11,781Not just lender fees.
Before credits & paid funds$113,546The complete starting cash picture.
Estimated remaining funds due at closing
$113,546No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,764.08
Your down payment$101,764.08
Closing costs + prepaids$11,781.48
Total buyer cash needed$113,545.56
Remaining funds due$113,545.56
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%)$3,648.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,315.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$611.75
Initial HOA (3 months)$925.50
Prepaid interest, first (2 days)$61.57
Fees + prepaids$11,781.48
Your down payment is the seller’s equity. You take over the $263,135 balance, so the rest of the $364,899 price is paid at closing. A second mortgage can cover part of it. $113,545.56 is due at closing. Uses and sources reconcile at $376,680.48 each. Not a Closing Disclosure.