Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$31,152Cash toward the purchase price.
Closing costs + prepaids$10,102Not just lender fees.
Before credits & paid funds$41,254The complete starting cash picture.
Estimated remaining funds due at closing
$41,254No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,152.48
Your down payment$31,152.48
Closing costs + prepaids$10,101.68
Total buyer cash needed$41,254.16
Remaining funds due$41,254.16
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%)$3,040.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,364.24
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$401.25
Prepaid interest, first (2 days)$78.19
Fees + prepaids$10,101.68
Your down payment is the seller’s equity. You take over the $272,848 balance, so the rest of the $304,000 price is paid at closing. A second mortgage can cover part of it. $41,254.16 is due at closing. Uses and sources reconcile at $314,101.68 each. Not a Closing Disclosure.