Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$41,329Cash toward the purchase price.
Closing costs + prepaids$10,059Not just lender fees.
Before credits & paid funds$51,388The complete starting cash picture.
Estimated remaining funds due at closing
$51,388No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,329.08
Your down payment$41,329.08
Closing costs + prepaids$10,058.86
Total buyer cash needed$51,387.93
Remaining funds due$51,387.93
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%)$3,280.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,433.35
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$94.75
Prepaid interest, first (1 days)$32.75
Fees + prepaids$10,058.86
Your down payment is the seller’s equity. You take over the $286,671 balance, so the rest of the $328,000 price is paid at closing. A second mortgage can cover part of it. $51,387.93 is due at closing. Uses and sources reconcile at $338,058.86 each. Not a Closing Disclosure.