Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$235,308Cash toward the purchase price.
Closing costs + prepaids$10,277Not just lender fees.
Before credits & paid funds$245,585The complete starting cash picture.
Estimated remaining funds due at closing
$245,585No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$235,308.00
Your down payment$235,308.00
Closing costs + prepaids$10,276.68
Total buyer cash needed$245,584.68
Remaining funds due$245,584.68
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%)$3,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$697.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$505.50
Initial HOA (3 months)$84.00
Prepaid interest, first (1 days)$22.22
Fees + prepaids$10,276.68
Your down payment is the seller’s equity. You take over the $139,592 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $245,584.68 is due at closing. Uses and sources reconcile at $385,176.68 each. Not a Closing Disclosure.