Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$45,926Cash toward the purchase price.
Closing costs + prepaids$11,369Not just lender fees.
Before credits & paid funds$57,295The complete starting cash picture.
Estimated remaining funds due at closing
$57,295No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,925.70
Your down payment$45,925.70
Closing costs + prepaids$11,369.29
Total buyer cash needed$57,294.99
Remaining funds due$57,294.99
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%)$3,289.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,414.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,158.50
Initial HOA (3 months)$240.00
Prepaid interest, first (1 days)$48.92
Fees + prepaids$11,369.29
Your down payment is the seller’s equity. You take over the $282,974 balance, so the rest of the $328,900 price is paid at closing. A second mortgage can cover part of it. $57,294.99 is due at closing. Uses and sources reconcile at $340,269.29 each. Not a Closing Disclosure.