Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$78,004Cash toward the purchase price.
Closing costs + prepaids$10,724Not just lender fees.
Before credits & paid funds$88,728The complete starting cash picture.
Estimated remaining funds due at closing
$88,728No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,003.72
Your down payment$78,003.72
Closing costs + prepaids$10,723.86
Total buyer cash needed$88,727.58
Remaining funds due$88,727.58
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%)$1,359.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$279.00
Initial HOA (3 months)$270.00
Prepaid interest, first (2 days)$96.88
Fees + prepaids$10,723.86
Your down payment is the seller’s equity. You take over the $271,996 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $88,727.58 is due at closing. Uses and sources reconcile at $360,723.86 each. Not a Closing Disclosure.