Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$65,383Cash toward the purchase price.
Closing costs + prepaids$11,388Not just lender fees.
Before credits & paid funds$76,771The complete starting cash picture.
Estimated remaining funds due at closing
$76,771No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,382.73
Your down payment$65,382.73
Closing costs + prepaids$11,387.80
Total buyer cash needed$76,770.54
Remaining funds due$76,770.54
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%)$3,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,648.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$519.25
Prepaid interest, first (1 days)$52.47
Fees + prepaids$11,387.80
Your down payment is the seller’s equity. You take over the $329,617 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $76,770.54 is due at closing. Uses and sources reconcile at $406,387.80 each. Not a Closing Disclosure.