Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$15,062Cash toward the purchase price.
Closing costs + prepaids$11,299Not just lender fees.
Before credits & paid funds$26,361The complete starting cash picture.
Estimated remaining funds due at closing
$26,361No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,061.99
Your down payment$15,061.99
Closing costs + prepaids$11,298.83
Total buyer cash needed$26,360.82
Remaining funds due$26,360.82
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%)$3,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,674.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$663.25
Initial HOA (3 months)$120.00
Prepaid interest, first (2 days)$124.39
Fees + prepaids$11,298.83
Your down payment is the seller’s equity. You take over the $334,838 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $26,360.82 is due at closing. Uses and sources reconcile at $361,198.83 each. Not a Closing Disclosure.