Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$38,552Cash toward the purchase price.
Closing costs + prepaids$11,335Not just lender fees.
Before credits & paid funds$49,887The complete starting cash picture.
Estimated remaining funds due at closing
$49,887No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,552.15
Your down payment$38,552.15
Closing costs + prepaids$11,334.57
Total buyer cash needed$49,886.73
Remaining funds due$49,886.73
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%)$3,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,602.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$605.50
Initial HOA (3 months)$260.01
Prepaid interest, first (1 days)$58.82
Fees + prepaids$11,334.57
Your down payment is the seller’s equity. You take over the $320,448 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $49,886.73 is due at closing. Uses and sources reconcile at $370,334.57 each. Not a Closing Disclosure.