Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$313,597Cash toward the purchase price.
Closing costs + prepaids$9,172Not just lender fees.
Before credits & paid funds$322,769The complete starting cash picture.
Estimated remaining funds due at closing
$322,769No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$313,597.25
Your down payment$313,597.25
Closing costs + prepaids$9,171.82
Total buyer cash needed$322,769.07
Remaining funds due$322,769.07
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%)$3,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$181.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$267.00
Prepaid interest, first (1 days)$6.31
Fees + prepaids$9,171.82
Your down payment is the seller’s equity. You take over the $36,303 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $322,769.07 is due at closing. Uses and sources reconcile at $359,071.82 each. Not a Closing Disclosure.