Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$44,332Cash toward the purchase price.
Closing costs + prepaids$11,531Not just lender fees.
Before credits & paid funds$55,863The complete starting cash picture.
Estimated remaining funds due at closing
$55,863No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,332.22
Your down payment$44,332.22
Closing costs + prepaids$11,530.57
Total buyer cash needed$55,862.78
Remaining funds due$55,862.78
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%)$3,840.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,698.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$486.75
Initial HOA (3 months)$260.49
Prepaid interest, first (1 days)$26.99
Fees + prepaids$11,530.57
Your down payment is the seller’s equity. You take over the $339,668 balance, so the rest of the $384,000 price is paid at closing. A second mortgage can cover part of it. $55,862.78 is due at closing. Uses and sources reconcile at $395,530.57 each. Not a Closing Disclosure.