Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$46,261Cash toward the purchase price.
Closing costs + prepaids$12,294Not just lender fees.
Before credits & paid funds$58,554The complete starting cash picture.
Estimated remaining funds due at closing
$58,554No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,260.76
Your down payment$46,260.76
Closing costs + prepaids$12,293.53
Total buyer cash needed$58,554.29
Remaining funds due$58,554.29
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%)$3,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,663.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,557.75
Prepaid interest, first (1 days)$64.09
Fees + prepaids$12,293.53
Your down payment is the seller’s equity. You take over the $332,739 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $58,554.29 is due at closing. Uses and sources reconcile at $391,293.53 each. Not a Closing Disclosure.