Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$98,990Cash toward the purchase price.
Closing costs + prepaids$11,310Not just lender fees.
Before credits & paid funds$110,301The complete starting cash picture.
Estimated remaining funds due at closing
$110,301No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$98,990.10
Your down payment$98,990.10
Closing costs + prepaids$11,310.42
Total buyer cash needed$110,300.52
Remaining funds due$110,300.52
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%)$1,280.05
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)$837.12
Fees + prepaids$11,310.42
Your down payment is the seller’s equity. You take over the $256,010 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $110,300.52 is due at closing. Uses and sources reconcile at $366,310.42 each. Not a Closing Disclosure.