Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$104,092Cash toward the purchase price.
Closing costs + prepaids$10,268Not just lender fees.
Before credits & paid funds$114,360The complete starting cash picture.
Estimated remaining funds due at closing
$114,360No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,091.74
Your down payment$104,091.74
Closing costs + prepaids$10,268.17
Total buyer cash needed$114,359.91
Remaining funds due$114,359.91
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%)$1,229.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$232.25
Initial HOA (3 months)$6.24
Prepaid interest, first (2 days)$83.64
Fees + prepaids$10,268.17
Your down payment is the seller’s equity. You take over the $245,808 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $114,359.91 is due at closing. Uses and sources reconcile at $360,168.17 each. Not a Closing Disclosure.