Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$2,998Cash toward the purchase price.
Closing costs + prepaids$11,248Not just lender fees.
Before credits & paid funds$14,246The complete starting cash picture.
Estimated remaining funds due at closing
$14,246No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,997.83
Your down payment$2,997.83
Closing costs + prepaids$11,248.37
Total buyer cash needed$14,246.20
Remaining funds due$14,246.20
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%)$3,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,760.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$438.75
Initial HOA (3 months)$252.00
Prepaid interest, first (1 days)$29.61
Fees + prepaids$11,248.37
Your down payment is the seller’s equity. You take over the $352,002 balance, so the rest of the $355,000 price is paid at closing. A second mortgage can cover part of it. $14,246.20 is due at closing. Uses and sources reconcile at $366,248.37 each. Not a Closing Disclosure.