Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$351,062Cash toward the purchase price.
Closing costs + prepaids$17,476Not just lender fees.
Before credits & paid funds$368,539The complete starting cash picture.
Estimated remaining funds due at closing
$368,539No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$351,062.31
Your down payment$351,062.31
Closing costs + prepaids$17,476.49
Total buyer cash needed$368,538.80
Remaining funds due$368,538.80
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%)$7,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,244.68
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$934.25
Initial HOA (3 months)$45.00
Prepaid interest, first (1 days)$34.56
Fees + prepaids$17,476.49
Your down payment is the seller’s equity. You take over the $448,937 balance, so the rest of the $799,999 price is paid at closing. A second mortgage can cover part of it. $368,538.80 is due at closing. Uses and sources reconcile at $817,475.49 each. Not a Closing Disclosure.