Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$96,309Cash toward the purchase price.
Closing costs + prepaids$10,600Not just lender fees.
Before credits & paid funds$106,908The complete starting cash picture.
Estimated remaining funds due at closing
$106,908No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$96,308.96
Your down payment$96,308.96
Closing costs + prepaids$10,599.51
Total buyer cash needed$106,908.48
Remaining funds due$106,908.48
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%)$1,317.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$436.25
Prepaid interest, first (1 days)$28.31
Fees + prepaids$10,599.51
Your down payment is the seller’s equity. You take over the $263,591 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $106,908.48 is due at closing. Uses and sources reconcile at $370,499.51 each. Not a Closing Disclosure.