Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$23,255Cash toward the purchase price.
Closing costs + prepaids$11,905Not just lender fees.
Before credits & paid funds$35,161The complete starting cash picture.
Estimated remaining funds due at closing
$35,161No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,255.23
Your down payment$23,255.23
Closing costs + prepaids$11,905.36
Total buyer cash needed$35,160.59
Remaining funds due$35,160.59
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%)$3,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,533.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$947.75
Initial HOA (3 months)$840.00
Prepaid interest, first (2 days)$65.89
Fees + prepaids$11,905.36
Your down payment is the seller’s equity. You take over the $306,745 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $35,160.59 is due at closing. Uses and sources reconcile at $341,905.36 each. Not a Closing Disclosure.