Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$358,731Cash toward the purchase price.
Closing costs + prepaids$12,153Not just lender fees.
Before credits & paid funds$370,884The complete starting cash picture.
Estimated remaining funds due at closing
$370,884No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$358,730.54
Your down payment$358,730.54
Closing costs + prepaids$12,153.07
Total buyer cash needed$370,883.61
Remaining funds due$370,883.61
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%)$5,376.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$894.80
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$51.50
Initial HOA (3 months)$330.00
Prepaid interest, first (1 days)$31.87
Fees + prepaids$12,153.07
Your down payment is the seller’s equity. You take over the $178,959 balance, so the rest of the $537,690 price is paid at closing. A second mortgage can cover part of it. $370,883.61 is due at closing. Uses and sources reconcile at $549,843.07 each. Not a Closing Disclosure.