Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$286,383Cash toward the purchase price.
Closing costs + prepaids$9,883Not just lender fees.
Before credits & paid funds$296,266The complete starting cash picture.
Estimated remaining funds due at closing
$296,266No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$286,383.00
Your down payment$286,383.00
Closing costs + prepaids$9,882.88
Total buyer cash needed$296,265.88
Remaining funds due$296,265.88
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%)$3,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$413.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$550.00
Prepaid interest, first (1 days)$11.79
Fees + prepaids$9,882.88
Your down payment is the seller’s equity. You take over the $82,617 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $296,265.88 is due at closing. Uses and sources reconcile at $378,882.88 each. Not a Closing Disclosure.