Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$28,190Cash toward the purchase price.
Closing costs + prepaids$10,777Not just lender fees.
Before credits & paid funds$38,967The complete starting cash picture.
Estimated remaining funds due at closing
$38,967No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,190.08
Your down payment$28,190.08
Closing costs + prepaids$10,777.32
Total buyer cash needed$38,967.39
Remaining funds due$38,967.39
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%)$3,245.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,481.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$525.00
Initial HOA (3 months)$255.00
Prepaid interest, first (1 days)$52.77
Fees + prepaids$10,777.32
Your down payment is the seller’s equity. You take over the $296,310 balance, so the rest of the $324,500 price is paid at closing. A second mortgage can cover part of it. $38,967.39 is due at closing. Uses and sources reconcile at $335,277.32 each. Not a Closing Disclosure.