Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$55,929Cash toward the purchase price.
Closing costs + prepaids$11,834Not just lender fees.
Before credits & paid funds$67,763The complete starting cash picture.
Estimated remaining funds due at closing
$67,763No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,929.19
Your down payment$55,929.19
Closing costs + prepaids$11,834.30
Total buyer cash needed$67,763.49
Remaining funds due$67,763.49
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%)$3,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,545.35
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,371.75
Prepaid interest, first (1 days)$49.20
Fees + prepaids$11,834.30
Your down payment is the seller’s equity. You take over the $309,071 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $67,763.49 is due at closing. Uses and sources reconcile at $376,834.30 each. Not a Closing Disclosure.