Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$41,462Cash toward the purchase price.
Closing costs + prepaids$11,294Not just lender fees.
Before credits & paid funds$52,756The complete starting cash picture.
Estimated remaining funds due at closing
$52,756No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,461.82
Your down payment$41,461.82
Closing costs + prepaids$11,294.18
Total buyer cash needed$52,756.01
Remaining funds due$52,756.01
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%)$3,499.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,542.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$754.50
Initial HOA (3 months)$255.00
Prepaid interest, first (1 days)$24.01
Fees + prepaids$11,294.18
Your down payment is the seller’s equity. You take over the $308,537 balance, so the rest of the $349,999 price is paid at closing. A second mortgage can cover part of it. $52,756.01 is due at closing. Uses and sources reconcile at $361,293.18 each. Not a Closing Disclosure.