Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$57,644Cash toward the purchase price.
Closing costs + prepaids$11,240Not just lender fees.
Before credits & paid funds$68,884The complete starting cash picture.
Estimated remaining funds due at closing
$68,884No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,644.07
Your down payment$57,644.07
Closing costs + prepaids$11,240.07
Total buyer cash needed$68,884.14
Remaining funds due$68,884.14
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%)$3,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,461.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,036.50
Prepaid interest, first (1 days)$23.79
Fees + prepaids$11,240.07
Your down payment is the seller’s equity. You take over the $292,356 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $68,884.14 is due at closing. Uses and sources reconcile at $361,240.07 each. Not a Closing Disclosure.