Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$23,873Cash toward the purchase price.
Closing costs + prepaids$11,172Not just lender fees.
Before credits & paid funds$35,046The complete starting cash picture.
Estimated remaining funds due at closing
$35,046No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,873.37
Your down payment$23,873.37
Closing costs + prepaids$11,172.29
Total buyer cash needed$35,045.66
Remaining funds due$35,045.66
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%)$3,629.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,695.13
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$539.50
Initial HOA (3 months)$26.01
Prepaid interest, first (1 days)$64.65
Fees + prepaids$11,172.29
Your down payment is the seller’s equity. You take over the $339,027 balance, so the rest of the $362,900 price is paid at closing. A second mortgage can cover part of it. $35,045.66 is due at closing. Uses and sources reconcile at $374,072.29 each. Not a Closing Disclosure.