Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$24,953Cash toward the purchase price.
Closing costs + prepaids$11,728Not just lender fees.
Before credits & paid funds$36,680The complete starting cash picture.
Estimated remaining funds due at closing
$36,680No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,952.59
Your down payment$24,952.59
Closing costs + prepaids$11,727.75
Total buyer cash needed$36,680.34
Remaining funds due$36,680.34
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%)$3,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,725.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$627.00
Initial HOA (3 months)$399.00
Prepaid interest, first (1 days)$58.52
Fees + prepaids$11,727.75
Your down payment is the seller’s equity. You take over the $345,047 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $36,680.34 is due at closing. Uses and sources reconcile at $381,727.75 each. Not a Closing Disclosure.