Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$27,694Cash toward the purchase price.
Closing costs + prepaids$10,872Not just lender fees.
Before credits & paid funds$38,566The complete starting cash picture.
Estimated remaining funds due at closing
$38,566No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,694.13
Your down payment$27,694.13
Closing costs + prepaids$10,871.77
Total buyer cash needed$38,565.91
Remaining funds due$38,565.91
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%)$3,298.70
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,510.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$459.50
Initial HOA (3 months)$339.99
Prepaid interest, first (1 days)$44.71
Fees + prepaids$10,871.77
Your down payment is the seller’s equity. You take over the $302,176 balance, so the rest of the $329,870 price is paid at closing. A second mortgage can cover part of it. $38,565.91 is due at closing. Uses and sources reconcile at $340,741.77 each. Not a Closing Disclosure.