Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$18,008Cash toward the purchase price.
Closing costs + prepaids$10,679Not just lender fees.
Before credits & paid funds$28,687The complete starting cash picture.
Estimated remaining funds due at closing
$28,687No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,008.28
Your down payment$18,008.28
Closing costs + prepaids$10,679.17
Total buyer cash needed$28,687.44
Remaining funds due$28,687.44
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%)$3,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,459.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$775.00
Initial HOA (3 months)$35.01
Prepaid interest, first (2 days)$91.20
Fees + prepaids$10,679.17
Your down payment is the seller’s equity. You take over the $291,992 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $28,687.44 is due at closing. Uses and sources reconcile at $320,679.17 each. Not a Closing Disclosure.