Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$363,712Cash toward the purchase price.
Closing costs + prepaids$13,828Not just lender fees.
Before credits & paid funds$377,540The complete starting cash picture.
Estimated remaining funds due at closing
$377,540No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$363,712.03
Your down payment$363,712.03
Closing costs + prepaids$13,827.57
Total buyer cash needed$377,539.60
Remaining funds due$377,539.60
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%)$6,230.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,296.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$661.50
Initial HOA (3 months)$144.99
Prepaid interest, first (1 days)$26.64
Fees + prepaids$13,827.57
Your down payment is the seller’s equity. You take over the $259,288 balance, so the rest of the $623,000 price is paid at closing. A second mortgage can cover part of it. $377,539.60 is due at closing. Uses and sources reconcile at $636,827.57 each. Not a Closing Disclosure.