Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$20,369Cash toward the purchase price.
Closing costs + prepaids$11,289Not just lender fees.
Before credits & paid funds$31,659The complete starting cash picture.
Estimated remaining funds due at closing
$31,659No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,369.43
Your down payment$20,369.43
Closing costs + prepaids$11,289.27
Total buyer cash needed$31,658.70
Remaining funds due$31,658.70
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%)$3,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,723.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$185.50
Initial HOA (3 months)$447.00
Prepaid interest, first (1 days)$65.62
Fees + prepaids$11,289.27
Your down payment is the seller’s equity. You take over the $344,631 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $31,658.70 is due at closing. Uses and sources reconcile at $376,289.27 each. Not a Closing Disclosure.