Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$72,583Cash toward the purchase price.
Closing costs + prepaids$11,326Not just lender fees.
Before credits & paid funds$83,909The complete starting cash picture.
Estimated remaining funds due at closing
$83,909No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,583.08
Your down payment$72,583.08
Closing costs + prepaids$11,326.14
Total buyer cash needed$83,909.21
Remaining funds due$83,909.21
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%)$3,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,462.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$912.50
Initial HOA (3 months)$60.00
Prepaid interest, first (1 days)$23.55
Fees + prepaids$11,326.14
Your down payment is the seller’s equity. You take over the $292,417 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $83,909.21 is due at closing. Uses and sources reconcile at $376,326.14 each. Not a Closing Disclosure.