Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$31,788Cash toward the purchase price.
Closing costs + prepaids$9,567Not just lender fees.
Before credits & paid funds$41,354The complete starting cash picture.
Estimated remaining funds due at closing
$41,354No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,787.61
Your down payment$31,787.61
Closing costs + prepaids$9,566.79
Total buyer cash needed$41,354.40
Remaining funds due$41,354.40
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%)$2,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,166.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$188.00
Initial HOA (3 months)$300.00
Prepaid interest, first (2 days)$44.73
Fees + prepaids$9,566.79
Your down payment is the seller’s equity. You take over the $233,212 balance, so the rest of the $265,000 price is paid at closing. A second mortgage can cover part of it. $41,354.40 is due at closing. Uses and sources reconcile at $274,566.79 each. Not a Closing Disclosure.