Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$21,289Cash toward the purchase price.
Closing costs + prepaids$10,273Not just lender fees.
Before credits & paid funds$31,563The complete starting cash picture.
Estimated remaining funds due at closing
$31,563No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,289.37
Your down payment$21,289.37
Closing costs + prepaids$10,273.47
Total buyer cash needed$31,562.84
Remaining funds due$31,562.84
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%)$1,543.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Initial HOA (3 months)$150.00
Prepaid interest, first (2 days)$63.41
Fees + prepaids$10,273.47
Your down payment is the seller’s equity. You take over the $308,611 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $31,562.84 is due at closing. Uses and sources reconcile at $340,173.47 each. Not a Closing Disclosure.