Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$17,116Cash toward the purchase price.
Closing costs + prepaids$11,322Not just lender fees.
Before credits & paid funds$28,438The complete starting cash picture.
Estimated remaining funds due at closing
$28,438No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,116.26
Your down payment$17,116.26
Closing costs + prepaids$11,321.54
Total buyer cash needed$28,437.80
Remaining funds due$28,437.80
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%)$1,564.42
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,130.25
Prepaid interest, first (2 days)$108.87
Fees + prepaids$11,321.54
Your down payment is the seller’s equity. You take over the $312,884 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $28,437.80 is due at closing. Uses and sources reconcile at $341,321.54 each. Not a Closing Disclosure.