Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$32,915Cash toward the purchase price.
Closing costs + prepaids$10,377Not just lender fees.
Before credits & paid funds$43,292The complete starting cash picture.
Estimated remaining funds due at closing
$43,292No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,914.79
Your down payment$32,914.79
Closing costs + prepaids$10,376.98
Total buyer cash needed$43,291.77
Remaining funds due$43,291.77
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%)$3,099.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,385.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$370.25
Initial HOA (3 months)$257.01
Prepaid interest, first (2 days)$46.31
Fees + prepaids$10,376.98
Your down payment is the seller’s equity. You take over the $277,084 balance, so the rest of the $309,999 price is paid at closing. A second mortgage can cover part of it. $43,291.77 is due at closing. Uses and sources reconcile at $320,375.98 each. Not a Closing Disclosure.