Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$59,585Cash toward the purchase price.
Closing costs + prepaids$11,289Not just lender fees.
Before credits & paid funds$70,874The complete starting cash picture.
Estimated remaining funds due at closing
$70,874No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,585.29
Your down payment$59,585.29
Closing costs + prepaids$11,288.85
Total buyer cash needed$70,874.14
Remaining funds due$70,874.14
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%)$3,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,527.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$509.00
Initial HOA (3 months)$276.00
Prepaid interest, first (2 days)$108.78
Fees + prepaids$11,288.85
Your down payment is the seller’s equity. You take over the $305,415 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $70,874.14 is due at closing. Uses and sources reconcile at $376,288.85 each. Not a Closing Disclosure.