Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$85,457Cash toward the purchase price.
Closing costs + prepaids$10,468Not just lender fees.
Before credits & paid funds$95,925The complete starting cash picture.
Estimated remaining funds due at closing
$95,925No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$85,457.34
Your down payment$85,457.34
Closing costs + prepaids$10,467.95
Total buyer cash needed$95,925.30
Remaining funds due$95,925.30
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%)$3,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,372.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$111.25
Initial HOA (3 months)$72.00
Prepaid interest, first (2 days)$95.49
Fees + prepaids$10,467.95
Your down payment is the seller’s equity. You take over the $274,443 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $95,925.30 is due at closing. Uses and sources reconcile at $370,367.95 each. Not a Closing Disclosure.