Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$67,336Cash toward the purchase price.
Closing costs + prepaids$10,570Not just lender fees.
Before credits & paid funds$77,906The complete starting cash picture.
Estimated remaining funds due at closing
$77,906No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,335.77
Your down payment$67,335.77
Closing costs + prepaids$10,569.75
Total buyer cash needed$77,905.52
Remaining funds due$77,905.52
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%)$3,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,358.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$157.75
Initial HOA (3 months)$420.00
Prepaid interest, first (1 days)$25.68
Fees + prepaids$10,569.75
Your down payment is the seller’s equity. You take over the $271,664 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $77,905.52 is due at closing. Uses and sources reconcile at $349,569.75 each. Not a Closing Disclosure.