Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$28,287Cash toward the purchase price.
Closing costs + prepaids$11,532Not just lender fees.
Before credits & paid funds$39,819The complete starting cash picture.
Estimated remaining funds due at closing
$39,819No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,287.40
Your down payment$28,287.40
Closing costs + prepaids$11,531.91
Total buyer cash needed$39,819.32
Remaining funds due$39,819.32
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%)$3,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,653.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$977.75
Prepaid interest, first (2 days)$92.60
Fees + prepaids$11,531.91
Your down payment is the seller’s equity. You take over the $330,713 balance, so the rest of the $359,000 price is paid at closing. A second mortgage can cover part of it. $39,819.32 is due at closing. Uses and sources reconcile at $370,531.91 each. Not a Closing Disclosure.