Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$17,296Cash toward the purchase price.
Closing costs + prepaids$11,613Not just lender fees.
Before credits & paid funds$28,909The complete starting cash picture.
Estimated remaining funds due at closing
$28,909No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,296.03
Your down payment$17,296.03
Closing costs + prepaids$11,612.91
Total buyer cash needed$28,908.94
Remaining funds due$28,908.94
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%)$3,698.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,762.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$294.75
Initial HOA (3 months)$573.00
Prepaid interest, first (1 days)$66.64
Fees + prepaids$11,612.91
Your down payment is the seller’s equity. You take over the $352,504 balance, so the rest of the $369,800 price is paid at closing. A second mortgage can cover part of it. $28,908.94 is due at closing. Uses and sources reconcile at $381,412.91 each. Not a Closing Disclosure.