Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$21,404Cash toward the purchase price.
Closing costs + prepaids$11,055Not just lender fees.
Before credits & paid funds$32,459The complete starting cash picture.
Estimated remaining funds due at closing
$32,459No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,404.30
Your down payment$21,404.30
Closing costs + prepaids$11,054.85
Total buyer cash needed$32,459.16
Remaining funds due$32,459.16
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%)$1,407.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,331.75
Initial HOA (3 months)$18.75
Prepaid interest, first (1 days)$48.37
Fees + prepaids$11,054.85
Your down payment is the seller’s equity. You take over the $281,596 balance, so the rest of the $303,000 price is paid at closing. A second mortgage can cover part of it. $32,459.16 is due at closing. Uses and sources reconcile at $314,054.85 each. Not a Closing Disclosure.