Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$33,765Cash toward the purchase price.
Closing costs + prepaids$10,951Not just lender fees.
Before credits & paid funds$44,716The complete starting cash picture.
Estimated remaining funds due at closing
$44,716No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,765.23
Your down payment$33,765.23
Closing costs + prepaids$10,951.01
Total buyer cash needed$44,716.24
Remaining funds due$44,716.24
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%)$3,299.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,480.92
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$825.00
Initial HOA (3 months)$75.00
Prepaid interest, first (1 days)$52.58
Fees + prepaids$10,951.01
Your down payment is the seller’s equity. You take over the $296,185 balance, so the rest of the $329,950 price is paid at closing. A second mortgage can cover part of it. $44,716.24 is due at closing. Uses and sources reconcile at $340,901.01 each. Not a Closing Disclosure.