Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$99,332Cash toward the purchase price.
Closing costs + prepaids$11,288Not just lender fees.
Before credits & paid funds$110,620The complete starting cash picture.
Estimated remaining funds due at closing
$110,620No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$99,331.56
Your down payment$99,331.56
Closing costs + prepaids$11,288.05
Total buyer cash needed$110,619.61
Remaining funds due$110,619.61
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%)$3,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,278.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$305.25
Initial HOA (3 months)$120.00
Prepaid interest, first (31 days)$816.46
Fees + prepaids$11,288.05
Your down payment is the seller’s equity. You take over the $255,668 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $110,619.61 is due at closing. Uses and sources reconcile at $366,288.05 each. Not a Closing Disclosure.