Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$28,554Cash toward the purchase price.
Closing costs + prepaids$12,658Not just lender fees.
Before credits & paid funds$41,212The complete starting cash picture.
Estimated remaining funds due at closing
$41,212No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,554.39
Your down payment$28,554.39
Closing costs + prepaids$12,657.73
Total buyer cash needed$41,212.12
Remaining funds due$41,212.12
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%)$3,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,657.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$2,063.00
Prepaid interest, first (2 days)$119.50
Fees + prepaids$12,657.73
Your down payment is the seller’s equity. You take over the $331,446 balance, so the rest of the $360,000 price is paid at closing. A second mortgage can cover part of it. $41,212.12 is due at closing. Uses and sources reconcile at $372,657.73 each. Not a Closing Disclosure.