Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$356,434Cash toward the purchase price.
Closing costs + prepaids$14,345Not just lender fees.
Before credits & paid funds$370,779The complete starting cash picture.
Estimated remaining funds due at closing
$370,779No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$356,434.32
Your down payment$356,434.32
Closing costs + prepaids$14,344.93
Total buyer cash needed$370,779.25
Remaining funds due$370,779.25
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%)$6,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,517.33
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$733.50
Prepaid interest, first (1 days)$27.10
Fees + prepaids$14,344.93
Your down payment is the seller’s equity. You take over the $303,466 balance, so the rest of the $659,900 price is paid at closing. A second mortgage can cover part of it. $370,779.25 is due at closing. Uses and sources reconcile at $674,244.93 each. Not a Closing Disclosure.