Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$351,772Cash toward the purchase price.
Closing costs + prepaids$19,722Not just lender fees.
Before credits & paid funds$371,494The complete starting cash picture.
Estimated remaining funds due at closing
$371,494No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$351,771.70
Your down payment$351,771.70
Closing costs + prepaids$19,722.27
Total buyer cash needed$371,493.96
Remaining funds due$371,493.96
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%)$9,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,986.14
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$898.50
Initial HOA (3 months)$82.50
Prepaid interest, first (1 days)$47.12
Fees + prepaids$19,722.27
Your down payment is the seller’s equity. You take over the $597,228 balance, so the rest of the $949,000 price is paid at closing. A second mortgage can cover part of it. $371,493.96 is due at closing. Uses and sources reconcile at $968,722.27 each. Not a Closing Disclosure.