Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$27,080Cash toward the purchase price.
Closing costs + prepaids$10,558Not just lender fees.
Before credits & paid funds$37,638The complete starting cash picture.
Estimated remaining funds due at closing
$37,638No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,079.83
Your down payment$27,079.83
Closing costs + prepaids$10,557.69
Total buyer cash needed$37,637.52
Remaining funds due$37,637.52
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%)$3,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,414.10
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$774.75
Prepaid interest, first (1 days)$51.84
Fees + prepaids$10,557.69
Your down payment is the seller’s equity. You take over the $282,820 balance, so the rest of the $309,900 price is paid at closing. A second mortgage can cover part of it. $37,637.52 is due at closing. Uses and sources reconcile at $320,457.69 each. Not a Closing Disclosure.