Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$78,810Cash toward the purchase price.
Closing costs + prepaids$11,045Not just lender fees.
Before credits & paid funds$89,855The complete starting cash picture.
Estimated remaining funds due at closing
$89,855No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,810.07
Your down payment$78,810.07
Closing costs + prepaids$11,044.70
Total buyer cash needed$89,854.78
Remaining funds due$89,854.78
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%)$1,405.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$716.75
Prepaid interest, first (2 days)$105.50
Fees + prepaids$11,044.70
Your down payment is the seller’s equity. You take over the $281,090 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $89,854.78 is due at closing. Uses and sources reconcile at $370,944.70 each. Not a Closing Disclosure.