Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$30,388Cash toward the purchase price.
Closing costs + prepaids$10,278Not just lender fees.
Before credits & paid funds$40,666The complete starting cash picture.
Estimated remaining funds due at closing
$40,666No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,388.02
Your down payment$30,388.02
Closing costs + prepaids$10,277.53
Total buyer cash needed$40,665.55
Remaining funds due$40,665.55
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%)$3,075.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,385.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$211.50
Initial HOA (3 months)$336.00
Prepaid interest, first (1 days)$51.47
Fees + prepaids$10,277.53
Your down payment is the seller’s equity. You take over the $277,112 balance, so the rest of the $307,500 price is paid at closing. A second mortgage can cover part of it. $40,665.55 is due at closing. Uses and sources reconcile at $317,777.53 each. Not a Closing Disclosure.