Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$13,117Cash toward the purchase price.
Closing costs + prepaids$11,395Not just lender fees.
Before credits & paid funds$24,512The complete starting cash picture.
Estimated remaining funds due at closing
$24,512No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,116.92
Your down payment$13,116.92
Closing costs + prepaids$11,394.69
Total buyer cash needed$24,511.61
Remaining funds due$24,511.61
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%)$1,484.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$907.75
Initial HOA (3 months)$570.00
Prepaid interest, first (2 days)$114.52
Fees + prepaids$11,394.69
Your down payment is the seller’s equity. You take over the $296,883 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $24,511.61 is due at closing. Uses and sources reconcile at $321,394.69 each. Not a Closing Disclosure.