Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$373,946Cash toward the purchase price.
Closing costs + prepaids$19,561Not just lender fees.
Before credits & paid funds$393,507The complete starting cash picture.
Estimated remaining funds due at closing
$393,507No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$373,946.32
Your down payment$373,946.32
Closing costs + prepaids$19,560.73
Total buyer cash needed$393,507.05
Remaining funds due$393,507.05
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%)$9,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,880.26
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$688.75
Initial HOA (3 months)$230.01
Prepaid interest, first (1 days)$43.72
Fees + prepaids$19,560.73
Your down payment is the seller’s equity. You take over the $576,053 balance, so the rest of the $949,999 price is paid at closing. A second mortgage can cover part of it. $393,507.05 is due at closing. Uses and sources reconcile at $969,559.73 each. Not a Closing Disclosure.