Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$56,545Cash toward the purchase price.
Closing costs + prepaids$11,579Not just lender fees.
Before credits & paid funds$68,125The complete starting cash picture.
Estimated remaining funds due at closing
$68,125No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,545.18
Your down payment$56,545.18
Closing costs + prepaids$11,579.41
Total buyer cash needed$68,124.59
Remaining funds due$68,124.59
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%)$3,881.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,657.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$404.75
Initial HOA (3 months)$390.00
Prepaid interest, first (1 days)$27.89
Fees + prepaids$11,579.41
Your down payment is the seller’s equity. You take over the $331,555 balance, so the rest of the $388,100 price is paid at closing. A second mortgage can cover part of it. $68,124.59 is due at closing. Uses and sources reconcile at $399,679.41 each. Not a Closing Disclosure.