Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$55,095Cash toward the purchase price.
Closing costs + prepaids$11,840Not just lender fees.
Before credits & paid funds$66,935The complete starting cash picture.
Estimated remaining funds due at closing
$66,935No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,095.01
Your down payment$55,095.01
Closing costs + prepaids$11,839.88
Total buyer cash needed$66,934.89
Remaining funds due$66,934.89
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%)$3,690.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,569.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$345.25
Initial HOA (3 months)$960.00
Prepaid interest, first (1 days)$57.10
Fees + prepaids$11,839.88
Your down payment is the seller’s equity. You take over the $313,905 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $66,934.89 is due at closing. Uses and sources reconcile at $380,839.88 each. Not a Closing Disclosure.