Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$40,964Cash toward the purchase price.
Closing costs + prepaids$11,158Not just lender fees.
Before credits & paid funds$52,122The complete starting cash picture.
Estimated remaining funds due at closing
$52,122No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,963.74
Your down payment$40,963.74
Closing costs + prepaids$11,158.06
Total buyer cash needed$52,121.80
Remaining funds due$52,121.80
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%)$3,449.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,519.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$862.25
Initial HOA (3 months)$56.25
Prepaid interest, first (1 days)$52.88
Fees + prepaids$11,158.06
Your down payment is the seller’s equity. You take over the $303,936 balance, so the rest of the $344,900 price is paid at closing. A second mortgage can cover part of it. $52,121.80 is due at closing. Uses and sources reconcile at $356,058.06 each. Not a Closing Disclosure.