Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$10,370Cash toward the purchase price.
Closing costs + prepaids$11,544Not just lender fees.
Before credits & paid funds$21,914The complete starting cash picture.
Estimated remaining funds due at closing
$21,914No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$10,370.10
Your down payment$10,370.10
Closing costs + prepaids$11,543.55
Total buyer cash needed$21,913.65
Remaining funds due$21,913.65
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%)$3,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,873.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$362.00
Initial HOA (3 months)$186.00
Prepaid interest, first (1 days)$54.40
Fees + prepaids$11,543.55
Your down payment is the seller’s equity. You take over the $374,630 balance, so the rest of the $385,000 price is paid at closing. A second mortgage can cover part of it. $21,913.65 is due at closing. Uses and sources reconcile at $396,543.55 each. Not a Closing Disclosure.