Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$43,543Cash toward the purchase price.
Closing costs + prepaids$11,352Not just lender fees.
Before credits & paid funds$54,895The complete starting cash picture.
Estimated remaining funds due at closing
$54,895No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,543.21
Your down payment$43,543.21
Closing costs + prepaids$11,352.15
Total buyer cash needed$54,895.35
Remaining funds due$54,895.35
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%)$3,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,427.28
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Initial HOA (3 months)$1,308.00
Prepaid interest, first (2 days)$108.86
Fees + prepaids$11,352.15
Your down payment is the seller’s equity. You take over the $285,457 balance, so the rest of the $329,000 price is paid at closing. A second mortgage can cover part of it. $54,895.35 is due at closing. Uses and sources reconcile at $340,352.15 each. Not a Closing Disclosure.