Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$14,853Cash toward the purchase price.
Closing costs + prepaids$11,545Not just lender fees.
Before credits & paid funds$26,398The complete starting cash picture.
Estimated remaining funds due at closing
$26,398No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,853.39
Your down payment$14,853.39
Closing costs + prepaids$11,544.80
Total buyer cash needed$26,398.20
Remaining funds due$26,398.20
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%)$1,675.73
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,093.50
Prepaid interest, first (1 days)$57.57
Fees + prepaids$11,544.80
Your down payment is the seller’s equity. You take over the $335,147 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $26,398.20 is due at closing. Uses and sources reconcile at $361,544.80 each. Not a Closing Disclosure.