Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$46,526Cash toward the purchase price.
Closing costs + prepaids$10,516Not just lender fees.
Before credits & paid funds$57,042The complete starting cash picture.
Estimated remaining funds due at closing
$57,042No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,525.63
Your down payment$46,525.63
Closing costs + prepaids$10,516.12
Total buyer cash needed$57,041.75
Remaining funds due$57,041.75
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%)$3,098.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,316.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$388.00
Initial HOA (3 months)$446.01
Prepaid interest, first (1 days)$48.42
Fees + prepaids$10,516.12
Your down payment is the seller’s equity. You take over the $263,362 balance, so the rest of the $309,888 price is paid at closing. A second mortgage can cover part of it. $57,041.75 is due at closing. Uses and sources reconcile at $320,404.12 each. Not a Closing Disclosure.