Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$74,435Cash toward the purchase price.
Closing costs + prepaids$11,073Not just lender fees.
Before credits & paid funds$85,508The complete starting cash picture.
Estimated remaining funds due at closing
$85,508No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,434.92
Your down payment$74,434.92
Closing costs + prepaids$11,073.08
Total buyer cash needed$85,508.00
Remaining funds due$85,508.00
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%)$3,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,277.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$300.00
Initial HOA (3 months)$960.00
Prepaid interest, first (1 days)$18.76
Fees + prepaids$11,073.08
Your down payment is the seller’s equity. You take over the $255,465 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $85,508.00 is due at closing. Uses and sources reconcile at $340,973.08 each. Not a Closing Disclosure.