Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$211,957Cash toward the purchase price.
Closing costs + prepaids$10,554Not just lender fees.
Before credits & paid funds$222,511The complete starting cash picture.
Estimated remaining funds due at closing
$222,511No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$211,957.22
Your down payment$211,957.22
Closing costs + prepaids$10,554.08
Total buyer cash needed$222,511.30
Remaining funds due$222,511.30
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%)$3,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$739.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$899.75
Initial HOA (3 months)$69.00
Prepaid interest, first (2 days)$28.62
Fees + prepaids$10,554.08
Your down payment is the seller’s equity. You take over the $147,943 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $222,511.30 is due at closing. Uses and sources reconcile at $370,454.08 each. Not a Closing Disclosure.