Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$364,242Cash toward the purchase price.
Closing costs + prepaids$13,155Not just lender fees.
Before credits & paid funds$377,397The complete starting cash picture.
Estimated remaining funds due at closing
$377,397No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$364,241.93
Your down payment$364,241.93
Closing costs + prepaids$13,154.93
Total buyer cash needed$377,396.86
Remaining funds due$377,396.86
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%)$5,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,178.29
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$453.25
Initial HOA (3 months)$38.25
Prepaid interest, first (1 days)$18.14
Fees + prepaids$13,154.93
Your down payment is the seller’s equity. You take over the $235,658 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $377,396.86 is due at closing. Uses and sources reconcile at $613,054.93 each. Not a Closing Disclosure.