Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$9,559Cash toward the purchase price.
Closing costs + prepaids$11,944Not just lender fees.
Before credits & paid funds$21,503The complete starting cash picture.
Estimated remaining funds due at closing
$21,503No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,559.16
Your down payment$9,559.16
Closing costs + prepaids$11,944.05
Total buyer cash needed$21,503.21
Remaining funds due$21,503.21
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%)$3,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,751.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,207.75
Initial HOA (3 months)$110.01
Prepaid interest, first (2 days)$57.59
Fees + prepaids$11,944.05
Your down payment is the seller’s equity. You take over the $350,341 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $21,503.21 is due at closing. Uses and sources reconcile at $371,844.05 each. Not a Closing Disclosure.