Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$129,809Cash toward the purchase price.
Closing costs + prepaids$10,325Not just lender fees.
Before credits & paid funds$140,134The complete starting cash picture.
Estimated remaining funds due at closing
$140,134No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$129,809.29
Your down payment$129,809.29
Closing costs + prepaids$10,324.88
Total buyer cash needed$140,134.17
Remaining funds due$140,134.17
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%)$1,100.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$298.75
Initial HOA (3 months)$186.00
Prepaid interest, first (1 days)$21.17
Fees + prepaids$10,324.88
Your down payment is the seller’s equity. You take over the $220,191 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $140,134.17 is due at closing. Uses and sources reconcile at $360,324.88 each. Not a Closing Disclosure.