Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$222,402Cash toward the purchase price.
Closing costs + prepaids$10,545Not just lender fees.
Before credits & paid funds$232,947The complete starting cash picture.
Estimated remaining funds due at closing
$232,947No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$222,402.35
Your down payment$222,402.35
Closing costs + prepaids$10,544.73
Total buyer cash needed$232,947.07
Remaining funds due$232,947.07
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%)$3,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$712.99
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$542.50
Initial HOA (3 months)$396.00
Prepaid interest, first (2 days)$25.24
Fees + prepaids$10,544.73
Your down payment is the seller’s equity. You take over the $142,598 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $232,947.07 is due at closing. Uses and sources reconcile at $375,544.73 each. Not a Closing Disclosure.