Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$63,466Cash toward the purchase price.
Closing costs + prepaids$12,010Not just lender fees.
Before credits & paid funds$75,476The complete starting cash picture.
Estimated remaining funds due at closing
$75,476No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,466.33
Your down payment$63,466.33
Closing costs + prepaids$12,009.98
Total buyer cash needed$75,476.31
Remaining funds due$75,476.31
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%)$3,849.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,607.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$738.75
Initial HOA (3 months)$540.00
Prepaid interest, first (1 days)$57.07
Fees + prepaids$12,009.98
Your down payment is the seller’s equity. You take over the $321,434 balance, so the rest of the $384,900 price is paid at closing. A second mortgage can cover part of it. $75,476.31 is due at closing. Uses and sources reconcile at $396,909.98 each. Not a Closing Disclosure.