Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$105,614Cash toward the purchase price.
Closing costs + prepaids$11,696Not just lender fees.
Before credits & paid funds$117,311The complete starting cash picture.
Estimated remaining funds due at closing
$117,311No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$105,614.20
Your down payment$105,614.20
Closing costs + prepaids$11,696.41
Total buyer cash needed$117,310.61
Remaining funds due$117,310.61
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%)$3,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,271.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$508.50
Initial HOA (3 months)$1,077.00
Prepaid interest, first (1 days)$20.98
Fees + prepaids$11,696.41
Your down payment is the seller’s equity. You take over the $254,386 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $117,310.61 is due at closing. Uses and sources reconcile at $371,696.41 each. Not a Closing Disclosure.