Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$286,533Cash toward the purchase price.
Closing costs + prepaids$10,434Not just lender fees.
Before credits & paid funds$296,967The complete starting cash picture.
Estimated remaining funds due at closing
$296,967No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$286,533.42
Your down payment$286,533.42
Closing costs + prepaids$10,433.99
Total buyer cash needed$296,967.41
Remaining funds due$296,967.41
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%)$3,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$342.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$347.75
Initial HOA (3 months)$954.00
Prepaid interest, first (2 days)$21.91
Fees + prepaids$10,433.99
Your down payment is the seller’s equity. You take over the $68,467 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $296,967.41 is due at closing. Uses and sources reconcile at $365,433.99 each. Not a Closing Disclosure.