Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$224,312Cash toward the purchase price.
Closing costs + prepaids$9,967Not just lender fees.
Before credits & paid funds$234,279The complete starting cash picture.
Estimated remaining funds due at closing
$234,279No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$224,312.37
Your down payment$224,312.37
Closing costs + prepaids$9,966.56
Total buyer cash needed$234,278.94
Remaining funds due$234,278.94
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%)$3,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$728.44
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$298.25
Prepaid interest, first (2 days)$21.87
Fees + prepaids$9,966.56
Your down payment is the seller’s equity. You take over the $145,688 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $234,278.94 is due at closing. Uses and sources reconcile at $379,966.56 each. Not a Closing Disclosure.