Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$26,436Cash toward the purchase price.
Closing costs + prepaids$10,605Not just lender fees.
Before credits & paid funds$37,041The complete starting cash picture.
Estimated remaining funds due at closing
$37,041No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,436.16
Your down payment$26,436.16
Closing costs + prepaids$10,605.25
Total buyer cash needed$37,041.40
Remaining funds due$37,041.40
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%)$3,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,517.32
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$467.50
Prepaid interest, first (2 days)$103.43
Fees + prepaids$10,605.25
Your down payment is the seller’s equity. You take over the $303,464 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $37,041.40 is due at closing. Uses and sources reconcile at $340,505.25 each. Not a Closing Disclosure.