Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$7,426Cash toward the purchase price.
Closing costs + prepaids$11,309Not just lender fees.
Before credits & paid funds$18,735The complete starting cash picture.
Estimated remaining funds due at closing
$18,735No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,425.72
Your down payment$7,425.72
Closing costs + prepaids$11,309.34
Total buyer cash needed$18,735.06
Remaining funds due$18,735.06
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%)$3,849.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,887.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$287.75
Prepaid interest, first (1 days)$67.22
Fees + prepaids$11,309.34
Your down payment is the seller’s equity. You take over the $377,474 balance, so the rest of the $384,900 price is paid at closing. A second mortgage can cover part of it. $18,735.06 is due at closing. Uses and sources reconcile at $396,209.34 each. Not a Closing Disclosure.