Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$33,008Cash toward the purchase price.
Closing costs + prepaids$10,123Not just lender fees.
Before credits & paid funds$43,132The complete starting cash picture.
Estimated remaining funds due at closing
$43,132No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,008.30
Your down payment$33,008.30
Closing costs + prepaids$10,123.47
Total buyer cash needed$43,131.78
Remaining funds due$43,131.78
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%)$2,870.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,269.96
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$717.50
Prepaid interest, first (1 days)$48.01
Fees + prepaids$10,123.47
Your down payment is the seller’s equity. You take over the $253,992 balance, so the rest of the $287,000 price is paid at closing. A second mortgage can cover part of it. $43,131.78 is due at closing. Uses and sources reconcile at $297,123.47 each. Not a Closing Disclosure.