Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$32,750Cash toward the purchase price.
Closing costs + prepaids$11,445Not just lender fees.
Before credits & paid funds$44,196The complete starting cash picture.
Estimated remaining funds due at closing
$44,196No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,750.36
Your down payment$32,750.36
Closing costs + prepaids$11,445.36
Total buyer cash needed$44,195.72
Remaining funds due$44,195.72
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%)$3,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,336.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$788.00
Initial HOA (3 months)$1,011.00
Prepaid interest, first (2 days)$92.11
Fees + prepaids$11,445.36
Your down payment is the seller’s equity. You take over the $267,250 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $44,195.72 is due at closing. Uses and sources reconcile at $311,445.36 each. Not a Closing Disclosure.