Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$22,416Cash toward the purchase price.
Closing costs + prepaids$11,487Not just lender fees.
Before credits & paid funds$33,904The complete starting cash picture.
Estimated remaining funds due at closing
$33,904No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,416.32
Your down payment$22,416.32
Closing costs + prepaids$11,487.38
Total buyer cash needed$33,903.70
Remaining funds due$33,903.70
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%)$3,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,637.91
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$934.75
Initial HOA (3 months)$140.01
Prepaid interest, first (1 days)$56.72
Fees + prepaids$11,487.38
Your down payment is the seller’s equity. You take over the $327,583 balance, so the rest of the $349,999 price is paid at closing. A second mortgage can cover part of it. $33,903.70 is due at closing. Uses and sources reconcile at $361,486.38 each. Not a Closing Disclosure.