Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$57,390Cash toward the purchase price.
Closing costs + prepaids$10,931Not just lender fees.
Before credits & paid funds$68,321The complete starting cash picture.
Estimated remaining funds due at closing
$68,321No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,389.83
Your down payment$57,389.83
Closing costs + prepaids$10,931.29
Total buyer cash needed$68,321.12
Remaining funds due$68,321.12
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%)$3,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,587.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$317.50
Prepaid interest, first (1 days)$59.24
Fees + prepaids$10,931.29
Your down payment is the seller’s equity. You take over the $317,510 balance, so the rest of the $374,900 price is paid at closing. A second mortgage can cover part of it. $68,321.12 is due at closing. Uses and sources reconcile at $385,831.29 each. Not a Closing Disclosure.