Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$25,327Cash toward the purchase price.
Closing costs + prepaids$11,404Not just lender fees.
Before credits & paid funds$36,731The complete starting cash picture.
Estimated remaining funds due at closing
$36,731No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,327.33
Your down payment$25,327.33
Closing costs + prepaids$11,403.76
Total buyer cash needed$36,731.08
Remaining funds due$36,731.08
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%)$3,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,772.86
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$584.75
Prepaid interest, first (1 days)$29.14
Fees + prepaids$11,403.76
Your down payment is the seller’s equity. You take over the $354,573 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $36,731.08 is due at closing. Uses and sources reconcile at $391,303.76 each. Not a Closing Disclosure.