Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$274,050Cash toward the purchase price.
Closing costs + prepaids$10,008Not just lender fees.
Before credits & paid funds$284,058The complete starting cash picture.
Estimated remaining funds due at closing
$284,058No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$274,050.13
Your down payment$274,050.13
Closing costs + prepaids$10,007.74
Total buyer cash needed$284,057.88
Remaining funds due$284,057.88
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%)$3,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$454.75
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$507.75
Initial HOA (3 months)$168.00
Prepaid interest, first (1 days)$9.24
Fees + prepaids$10,007.74
Your down payment is the seller’s equity. You take over the $90,950 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $284,057.88 is due at closing. Uses and sources reconcile at $375,007.74 each. Not a Closing Disclosure.