Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$5,793Cash toward the purchase price.
Closing costs + prepaids$11,456Not just lender fees.
Before credits & paid funds$17,249The complete starting cash picture.
Estimated remaining funds due at closing
$17,249No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$5,793.10
Your down payment$5,793.10
Closing costs + prepaids$11,456.23
Total buyer cash needed$17,249.32
Remaining funds due$17,249.32
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%)$1,771.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$472.75
Initial HOA (3 months)$258.00
Prepaid interest, first (2 days)$136.44
Fees + prepaids$11,456.23
Your down payment is the seller’s equity. You take over the $354,207 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $17,249.32 is due at closing. Uses and sources reconcile at $371,456.23 each. Not a Closing Disclosure.