Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$349,007Cash toward the purchase price.
Closing costs + prepaids$11,238Not just lender fees.
Before credits & paid funds$360,245The complete starting cash picture.
Estimated remaining funds due at closing
$360,245No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$349,007.14
Your down payment$349,007.14
Closing costs + prepaids$11,237.92
Total buyer cash needed$360,245.06
Remaining funds due$360,245.06
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$579.96
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$462.00
Initial HOA (3 months)$66.99
Prepaid interest, first (1 days)$10.96
Fees + prepaids$11,237.92
Your down payment is the seller’s equity. You take over the $115,993 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $360,245.06 is due at closing. Uses and sources reconcile at $476,237.92 each. Not a Closing Disclosure.