Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$32,227Cash toward the purchase price.
Closing costs + prepaids$11,045Not just lender fees.
Before credits & paid funds$43,272The complete starting cash picture.
Estimated remaining funds due at closing
$43,272No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,227.12
Your down payment$32,227.12
Closing costs + prepaids$11,044.86
Total buyer cash needed$43,271.98
Remaining funds due$43,271.98
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%)$3,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,713.86
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$237.50
Initial HOA (3 months)$67.74
Prepaid interest, first (1 days)$57.75
Fees + prepaids$11,044.86
Your down payment is the seller’s equity. You take over the $342,773 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $43,271.98 is due at closing. Uses and sources reconcile at $386,044.86 each. Not a Closing Disclosure.