Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$38,661Cash toward the purchase price.
Closing costs + prepaids$11,036Not just lender fees.
Before credits & paid funds$49,697The complete starting cash picture.
Estimated remaining funds due at closing
$49,697No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,661.09
Your down payment$38,661.09
Closing costs + prepaids$11,035.66
Total buyer cash needed$49,696.75
Remaining funds due$49,696.75
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%)$3,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,456.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$310.75
Initial HOA (3 months)$79.74
Prepaid interest, first (30 days)$670.48
Fees + prepaids$11,035.66
Your down payment is the seller’s equity. You take over the $291,339 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $49,696.75 is due at closing. Uses and sources reconcile at $341,035.66 each. Not a Closing Disclosure.