Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$148,699Cash toward the purchase price.
Closing costs + prepaids$10,719Not just lender fees.
Before credits & paid funds$159,418The complete starting cash picture.
Estimated remaining funds due at closing
$159,418No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$148,699.17
Your down payment$148,699.17
Closing costs + prepaids$10,718.66
Total buyer cash needed$159,417.83
Remaining funds due$159,417.83
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%)$3,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,031.50
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$887.50
Prepaid interest, first (2 days)$31.65
Fees + prepaids$10,718.66
Your down payment is the seller’s equity. You take over the $206,301 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $159,417.83 is due at closing. Uses and sources reconcile at $365,718.66 each. Not a Closing Disclosure.