Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$362,226Cash toward the purchase price.
Closing costs + prepaids$13,386Not just lender fees.
Before credits & paid funds$375,612The complete starting cash picture.
Estimated remaining funds due at closing
$375,612No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$362,225.50
Your down payment$362,225.50
Closing costs + prepaids$13,386.42
Total buyer cash needed$375,611.92
Remaining funds due$375,611.92
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%)$5,748.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,063.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$573.00
Initial HOA (3 months)$459.00
Prepaid interest, first (2 days)$74.80
Fees + prepaids$13,386.42
Your down payment is the seller’s equity. You take over the $212,624 balance, so the rest of the $574,850 price is paid at closing. A second mortgage can cover part of it. $375,611.92 is due at closing. Uses and sources reconcile at $588,236.42 each. Not a Closing Disclosure.