Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$361,078Cash toward the purchase price.
Closing costs + prepaids$11,420Not just lender fees.
Before credits & paid funds$372,498The complete starting cash picture.
Estimated remaining funds due at closing
$372,498No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$361,077.87
Your down payment$361,077.87
Closing costs + prepaids$11,420.20
Total buyer cash needed$372,498.07
Remaining funds due$372,498.07
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%)$519.61
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$539.75
Initial HOA (3 months)$231.51
Prepaid interest, first (1 days)$11.33
Fees + prepaids$11,420.20
Your down payment is the seller’s equity. You take over the $103,922 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $372,498.07 is due at closing. Uses and sources reconcile at $476,420.20 each. Not a Closing Disclosure.