Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$126,985Cash toward the purchase price.
Closing costs + prepaids$11,277Not just lender fees.
Before credits & paid funds$138,263The complete starting cash picture.
Estimated remaining funds due at closing
$138,263No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$126,985.39
Your down payment$126,985.39
Closing costs + prepaids$11,277.30
Total buyer cash needed$138,262.69
Remaining funds due$138,262.69
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%)$3,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,160.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,104.50
Initial HOA (3 months)$180.00
Prepaid interest, first (1 days)$24.73
Fees + prepaids$11,277.30
Your down payment is the seller’s equity. You take over the $232,015 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $138,262.69 is due at closing. Uses and sources reconcile at $370,277.30 each. Not a Closing Disclosure.