Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$3,752Cash toward the purchase price.
Closing costs + prepaids$11,762Not just lender fees.
Before credits & paid funds$15,515The complete starting cash picture.
Estimated remaining funds due at closing
$15,515No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$3,752.27
Your down payment$3,752.27
Closing costs + prepaids$11,762.44
Total buyer cash needed$15,514.71
Remaining funds due$15,514.71
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%)$3,769.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,866.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$12.50
Initial HOA (3 months)$846.00
Prepaid interest, first (1 days)$49.85
Fees + prepaids$11,762.44
Your down payment is the seller’s equity. You take over the $373,238 balance, so the rest of the $376,990 price is paid at closing. A second mortgage can cover part of it. $15,514.71 is due at closing. Uses and sources reconcile at $388,752.44 each. Not a Closing Disclosure.