Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$34,494Cash toward the purchase price.
Closing costs + prepaids$11,230Not just lender fees.
Before credits & paid funds$45,725The complete starting cash picture.
Estimated remaining funds due at closing
$45,725No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,494.45
Your down payment$34,494.45
Closing costs + prepaids$11,230.05
Total buyer cash needed$45,724.50
Remaining funds due$45,724.50
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%)$3,700.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,677.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$336.25
Initial HOA (3 months)$240.00
Prepaid interest, first (1 days)$58.28
Fees + prepaids$11,230.05
Your down payment is the seller’s equity. You take over the $335,506 balance, so the rest of the $370,000 price is paid at closing. A second mortgage can cover part of it. $45,724.50 is due at closing. Uses and sources reconcile at $381,230.05 each. Not a Closing Disclosure.