Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$266,808Cash toward the purchase price.
Closing costs + prepaids$9,792Not just lender fees.
Before credits & paid funds$276,601The complete starting cash picture.
Estimated remaining funds due at closing
$276,601No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$266,808.48
Your down payment$266,808.48
Closing costs + prepaids$9,792.10
Total buyer cash needed$276,600.58
Remaining funds due$276,600.58
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%)$3,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$465.46
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$347.00
Initial HOA (3 months)$153.00
Prepaid interest, first (1 days)$9.64
Fees + prepaids$9,792.10
Your down payment is the seller’s equity. You take over the $93,092 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $276,600.58 is due at closing. Uses and sources reconcile at $369,692.10 each. Not a Closing Disclosure.