Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$58,997Cash toward the purchase price.
Closing costs + prepaids$11,157Not just lender fees.
Before credits & paid funds$70,154The complete starting cash picture.
Estimated remaining funds due at closing
$70,154No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,997.35
Your down payment$58,997.35
Closing costs + prepaids$11,156.98
Total buyer cash needed$70,154.33
Remaining funds due$70,154.33
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%)$3,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,600.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$396.00
Initial HOA (3 months)$120.00
Prepaid interest, first (1 days)$32.96
Fees + prepaids$11,156.98
Your down payment is the seller’s equity. You take over the $320,003 balance, so the rest of the $379,000 price is paid at closing. A second mortgage can cover part of it. $70,154.33 is due at closing. Uses and sources reconcile at $390,156.98 each. Not a Closing Disclosure.