Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$65,920Cash toward the purchase price.
Closing costs + prepaids$11,873Not just lender fees.
Before credits & paid funds$77,793The complete starting cash picture.
Estimated remaining funds due at closing
$77,793No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,919.88
Your down payment$65,919.88
Closing costs + prepaids$11,873.47
Total buyer cash needed$77,793.35
Remaining funds due$77,793.35
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%)$3,975.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,657.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$571.75
Initial HOA (3 months)$330.00
Prepaid interest, first (2 days)$120.82
Fees + prepaids$11,873.47
Your down payment is the seller’s equity. You take over the $331,580 balance, so the rest of the $397,500 price is paid at closing. A second mortgage can cover part of it. $77,793.35 is due at closing. Uses and sources reconcile at $409,373.47 each. Not a Closing Disclosure.