Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$341,940Cash toward the purchase price.
Closing costs + prepaids$23,919Not just lender fees.
Before credits & paid funds$365,859The complete starting cash picture.
Estimated remaining funds due at closing
$365,859No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$341,940.02
Your down payment$341,940.02
Closing costs + prepaids$23,919.38
Total buyer cash needed$365,859.40
Remaining funds due$365,859.40
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%)$11,800.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,190.30
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$1,131.50
Initial HOA (3 months)$420.00
Prepaid interest, first (1 days)$159.58
Fees + prepaids$23,919.38
Your down payment is the seller’s equity. You take over the $838,060 balance, so the rest of the $1,180,000 price is paid at closing. A second mortgage can cover part of it. $365,859.40 is due at closing. Uses and sources reconcile at $1,203,919.38 each. Not a Closing Disclosure.