Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$73,625Cash toward the purchase price.
Closing costs + prepaids$11,707Not just lender fees.
Before credits & paid funds$85,332The complete starting cash picture.
Estimated remaining funds due at closing
$85,332No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,625.00
Your down payment$73,625.00
Closing costs + prepaids$11,707.36
Total buyer cash needed$85,332.35
Remaining funds due$85,332.35
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%)$3,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,606.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$479.25
Initial HOA (3 months)$396.00
Prepaid interest, first (1 days)$57.23
Fees + prepaids$11,707.36
Your down payment is the seller’s equity. You take over the $321,375 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $85,332.35 is due at closing. Uses and sources reconcile at $406,707.36 each. Not a Closing Disclosure.