Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$362,847Cash toward the purchase price.
Closing costs + prepaids$13,118Not just lender fees.
Before credits & paid funds$375,965The complete starting cash picture.
Estimated remaining funds due at closing
$375,965No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$362,847.06
Your down payment$362,847.06
Closing costs + prepaids$13,118.19
Total buyer cash needed$375,965.25
Remaining funds due$375,965.25
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%)$5,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,180.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$456.00
Prepaid interest, first (1 days)$23.42
Fees + prepaids$13,118.19
Your down payment is the seller’s equity. You take over the $236,153 balance, so the rest of the $599,000 price is paid at closing. A second mortgage can cover part of it. $375,965.25 is due at closing. Uses and sources reconcile at $612,118.19 each. Not a Closing Disclosure.