Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$32,035Cash toward the purchase price.
Closing costs + prepaids$9,895Not just lender fees.
Before credits & paid funds$41,930The complete starting cash picture.
Estimated remaining funds due at closing
$41,930No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,035.18
Your down payment$32,035.18
Closing costs + prepaids$9,895.16
Total buyer cash needed$41,930.34
Remaining funds due$41,930.34
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%)$2,943.33
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,311.49
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$401.50
Prepaid interest, first (1 days)$20.84
Fees + prepaids$9,895.16
Your down payment is the seller’s equity. You take over the $262,298 balance, so the rest of the $294,333 price is paid at closing. A second mortgage can cover part of it. $41,930.34 is due at closing. Uses and sources reconcile at $304,228.16 each. Not a Closing Disclosure.