Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$17,432Cash toward the purchase price.
Closing costs + prepaids$11,468Not just lender fees.
Before credits & paid funds$28,900The complete starting cash picture.
Estimated remaining funds due at closing
$28,900No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,431.66
Your down payment$17,431.66
Closing costs + prepaids$11,468.22
Total buyer cash needed$28,899.87
Remaining funds due$28,899.87
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%)$3,030.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,427.84
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,759.75
Prepaid interest, first (1 days)$32.63
Fees + prepaids$11,468.22
Your down payment is the seller’s equity. You take over the $285,568 balance, so the rest of the $303,000 price is paid at closing. A second mortgage can cover part of it. $28,899.87 is due at closing. Uses and sources reconcile at $314,468.22 each. Not a Closing Disclosure.