Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$34,260Cash toward the purchase price.
Closing costs + prepaids$11,079Not just lender fees.
Before credits & paid funds$45,339The complete starting cash picture.
Estimated remaining funds due at closing
$45,339No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,259.60
Your down payment$34,259.60
Closing costs + prepaids$11,079.34
Total buyer cash needed$45,338.94
Remaining funds due$45,338.94
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%)$3,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,578.20
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$467.25
Initial HOA (3 months)$258.00
Prepaid interest, first (1 days)$58.89
Fees + prepaids$11,079.34
Your down payment is the seller’s equity. You take over the $315,640 balance, so the rest of the $349,900 price is paid at closing. A second mortgage can cover part of it. $45,338.94 is due at closing. Uses and sources reconcile at $360,979.34 each. Not a Closing Disclosure.