Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$14,907Cash toward the purchase price.
Closing costs + prepaids$10,734Not just lender fees.
Before credits & paid funds$25,641The complete starting cash picture.
Estimated remaining funds due at closing
$25,641No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,906.76
Your down payment$14,906.76
Closing costs + prepaids$10,734.23
Total buyer cash needed$25,641.00
Remaining funds due$25,641.00
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%)$3,449.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,649.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$298.50
Initial HOA (3 months)$60.00
Prepaid interest, first (1 days)$58.77
Fees + prepaids$10,734.23
Your down payment is the seller’s equity. You take over the $329,993 balance, so the rest of the $344,900 price is paid at closing. A second mortgage can cover part of it. $25,641.00 is due at closing. Uses and sources reconcile at $355,634.23 each. Not a Closing Disclosure.