Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$51,143Cash toward the purchase price.
Closing costs + prepaids$11,926Not just lender fees.
Before credits & paid funds$63,069The complete starting cash picture.
Estimated remaining funds due at closing
$63,069No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,142.99
Your down payment$51,142.99
Closing costs + prepaids$11,925.54
Total buyer cash needed$63,068.53
Remaining funds due$63,068.53
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%)$3,799.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,644.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$484.50
Initial HOA (3 months)$753.00
Prepaid interest, first (1 days)$25.77
Fees + prepaids$11,925.54
Your down payment is the seller’s equity. You take over the $328,856 balance, so the rest of the $379,999 price is paid at closing. A second mortgage can cover part of it. $63,068.53 is due at closing. Uses and sources reconcile at $391,924.54 each. Not a Closing Disclosure.