Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$68,501Cash toward the purchase price.
Closing costs + prepaids$11,065Not just lender fees.
Before credits & paid funds$79,566The complete starting cash picture.
Estimated remaining funds due at closing
$79,566No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,500.67
Your down payment$68,500.67
Closing costs + prepaids$11,065.29
Total buyer cash needed$79,565.96
Remaining funds due$79,565.96
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%)$3,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,457.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$739.50
Initial HOA (3 months)$30.00
Prepaid interest, first (1 days)$21.80
Fees + prepaids$11,065.29
Your down payment is the seller’s equity. You take over the $291,399 balance, so the rest of the $359,900 price is paid at closing. A second mortgage can cover part of it. $79,565.96 is due at closing. Uses and sources reconcile at $370,965.29 each. Not a Closing Disclosure.