Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$110,941Cash toward the purchase price.
Closing costs + prepaids$10,267Not just lender fees.
Before credits & paid funds$121,209The complete starting cash picture.
Estimated remaining funds due at closing
$121,209No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,941.38
Your down payment$110,941.38
Closing costs + prepaids$10,267.32
Total buyer cash needed$121,208.70
Remaining funds due$121,208.70
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%)$1,195.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$334.25
Prepaid interest, first (1 days)$19.78
Fees + prepaids$10,267.32
Your down payment is the seller’s equity. You take over the $239,059 balance, so the rest of the $350,000 price is paid at closing. A second mortgage can cover part of it. $121,208.70 is due at closing. Uses and sources reconcile at $360,267.32 each. Not a Closing Disclosure.