Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$61,244Cash toward the purchase price.
Closing costs + prepaids$10,854Not just lender fees.
Before credits & paid funds$72,098The complete starting cash picture.
Estimated remaining funds due at closing
$72,098No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,243.53
Your down payment$61,243.53
Closing costs + prepaids$10,854.40
Total buyer cash needed$72,097.93
Remaining funds due$72,097.93
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%)$3,430.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,408.78
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$320.25
Initial HOA (3 months)$438.00
Prepaid interest, first (1 days)$39.37
Fees + prepaids$10,854.40
Your down payment is the seller’s equity. You take over the $281,756 balance, so the rest of the $343,000 price is paid at closing. A second mortgage can cover part of it. $72,097.93 is due at closing. Uses and sources reconcile at $353,854.40 each. Not a Closing Disclosure.