Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$26,894Cash toward the purchase price.
Closing costs + prepaids$9,893Not just lender fees.
Before credits & paid funds$36,787The complete starting cash picture.
Estimated remaining funds due at closing
$36,787No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,893.94
Your down payment$26,893.94
Closing costs + prepaids$9,893.19
Total buyer cash needed$36,787.13
Remaining funds due$36,787.13
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%)$3,099.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,415.51
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$119.25
Prepaid interest, first (1 days)$40.49
Fees + prepaids$9,893.19
Your down payment is the seller’s equity. You take over the $283,101 balance, so the rest of the $309,995 price is paid at closing. A second mortgage can cover part of it. $36,787.13 is due at closing. Uses and sources reconcile at $319,888.19 each. Not a Closing Disclosure.