Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$355,793Cash toward the purchase price.
Closing costs + prepaids$12,927Not just lender fees.
Before credits & paid funds$368,720The complete starting cash picture.
Estimated remaining funds due at closing
$368,720No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$355,793.00
Your down payment$355,793.00
Closing costs + prepaids$12,927.32
Total buyer cash needed$368,720.32
Remaining funds due$368,720.32
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%)$5,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,021.03
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$480.00
Initial HOA (3 months)$342.00
Prepaid interest, first (1 days)$16.28
Fees + prepaids$12,927.32
Your down payment is the seller’s equity. You take over the $204,207 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $368,720.32 is due at closing. Uses and sources reconcile at $572,927.32 each. Not a Closing Disclosure.