Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$49,378Cash toward the purchase price.
Closing costs + prepaids$12,024Not just lender fees.
Before credits & paid funds$61,402The complete starting cash picture.
Estimated remaining funds due at closing
$61,402No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,378.39
Your down payment$49,378.39
Closing costs + prepaids$12,023.85
Total buyer cash needed$61,402.24
Remaining funds due$61,402.24
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%)$1,578.11
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$871.50
Initial HOA (3 months)$594.00
Prepaid interest, first (2 days)$112.24
Fees + prepaids$12,023.85
Your down payment is the seller’s equity. You take over the $315,622 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $61,402.24 is due at closing. Uses and sources reconcile at $377,023.85 each. Not a Closing Disclosure.