Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$29,576Cash toward the purchase price.
Closing costs + prepaids$11,559Not just lender fees.
Before credits & paid funds$41,135The complete starting cash picture.
Estimated remaining funds due at closing
$41,135No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,576.40
Your down payment$29,576.40
Closing costs + prepaids$11,558.86
Total buyer cash needed$41,135.26
Remaining funds due$41,135.26
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%)$3,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,427.12
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$617.25
Initial HOA (3 months)$1,050.00
Prepaid interest, first (2 days)$96.50
Fees + prepaids$11,558.86
Your down payment is the seller’s equity. You take over the $285,424 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $41,135.26 is due at closing. Uses and sources reconcile at $326,558.86 each. Not a Closing Disclosure.