Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$379,939Cash toward the purchase price.
Closing costs + prepaids$14,425Not just lender fees.
Before credits & paid funds$394,364The complete starting cash picture.
Estimated remaining funds due at closing
$394,364No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$379,938.82
Your down payment$379,938.82
Closing costs + prepaids$14,424.84
Total buyer cash needed$394,363.66
Remaining funds due$394,363.66
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%)$5,920.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,060.31
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$711.50
Initial HOA (3 months)$1,248.24
Prepaid interest, first (1 days)$16.79
Fees + prepaids$14,424.84
Your down payment is the seller’s equity. You take over the $212,061 balance, so the rest of the $592,000 price is paid at closing. A second mortgage can cover part of it. $394,363.66 is due at closing. Uses and sources reconcile at $606,424.84 each. Not a Closing Disclosure.