Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$33,047Cash toward the purchase price.
Closing costs + prepaids$11,586Not just lender fees.
Before credits & paid funds$44,632The complete starting cash picture.
Estimated remaining funds due at closing
$44,632No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,046.71
Your down payment$33,046.71
Closing costs + prepaids$11,585.66
Total buyer cash needed$44,632.37
Remaining funds due$44,632.37
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%)$3,170.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,419.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,686.25
Prepaid interest, first (2 days)$91.64
Fees + prepaids$11,585.66
Your down payment is the seller’s equity. You take over the $283,953 balance, so the rest of the $317,000 price is paid at closing. A second mortgage can cover part of it. $44,632.37 is due at closing. Uses and sources reconcile at $328,585.66 each. Not a Closing Disclosure.