Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$36,095Cash toward the purchase price.
Closing costs + prepaids$10,252Not just lender fees.
Before credits & paid funds$46,348The complete starting cash picture.
Estimated remaining funds due at closing
$46,348No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,095.09
Your down payment$36,095.09
Closing costs + prepaids$10,252.44
Total buyer cash needed$46,347.53
Remaining funds due$46,347.53
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%)$3,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,419.02
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$365.25
Prepaid interest, first (1 days)$51.16
Fees + prepaids$10,252.44
Your down payment is the seller’s equity. You take over the $283,805 balance, so the rest of the $319,900 price is paid at closing. A second mortgage can cover part of it. $46,347.53 is due at closing. Uses and sources reconcile at $330,152.44 each. Not a Closing Disclosure.