Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$107,495Cash toward the purchase price.
Closing costs + prepaids$11,093Not just lender fees.
Before credits & paid funds$118,588The complete starting cash picture.
Estimated remaining funds due at closing
$118,588No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$107,495.34
Your down payment$107,495.34
Closing costs + prepaids$11,093.00
Total buyer cash needed$118,588.34
Remaining funds due$118,588.34
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%)$3,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,312.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$813.50
Prepaid interest, first (1 days)$48.98
Fees + prepaids$11,093.00
Your down payment is the seller’s equity. You take over the $262,505 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $118,588.34 is due at closing. Uses and sources reconcile at $381,093.00 each. Not a Closing Disclosure.