Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$4,169Cash toward the purchase price.
Closing costs + prepaids$11,057Not just lender fees.
Before credits & paid funds$15,225The complete starting cash picture.
Estimated remaining funds due at closing
$15,225No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,168.91
Your down payment$4,168.91
Closing costs + prepaids$11,056.58
Total buyer cash needed$15,225.50
Remaining funds due$15,225.50
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%)$3,697.77
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,828.04
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$238.25
Prepaid interest, first (1 days)$74.52
Fees + prepaids$11,056.58
Your down payment is the seller’s equity. You take over the $365,608 balance, so the rest of the $369,777 price is paid at closing. A second mortgage can cover part of it. $15,225.50 is due at closing. Uses and sources reconcile at $380,833.58 each. Not a Closing Disclosure.