Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$31,005Cash toward the purchase price.
Closing costs + prepaids$11,944Not just lender fees.
Before credits & paid funds$42,949The complete starting cash picture.
Estimated remaining funds due at closing
$42,949No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,005.15
Your down payment$31,005.15
Closing costs + prepaids$11,943.93
Total buyer cash needed$42,949.08
Remaining funds due$42,949.08
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%)$3,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,669.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,287.00
Prepaid interest, first (2 days)$118.96
Fees + prepaids$11,943.93
Your down payment is the seller’s equity. You take over the $333,995 balance, so the rest of the $365,000 price is paid at closing. A second mortgage can cover part of it. $42,949.08 is due at closing. Uses and sources reconcile at $376,943.93 each. Not a Closing Disclosure.