Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$54,352Cash toward the purchase price.
Closing costs + prepaids$10,764Not just lender fees.
Before credits & paid funds$65,116The complete starting cash picture.
Estimated remaining funds due at closing
$65,116No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,352.18
Your down payment$54,352.18
Closing costs + prepaids$10,763.76
Total buyer cash needed$65,115.94
Remaining funds due$65,115.94
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%)$3,537.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,496.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$232.75
Initial HOA (3 months)$254.01
Prepaid interest, first (1 days)$25.26
Fees + prepaids$10,763.76
Your down payment is the seller’s equity. You take over the $299,348 balance, so the rest of the $353,700 price is paid at closing. A second mortgage can cover part of it. $65,115.94 is due at closing. Uses and sources reconcile at $364,463.76 each. Not a Closing Disclosure.