Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$40,889Cash toward the purchase price.
Closing costs + prepaids$10,183Not just lender fees.
Before credits & paid funds$51,073The complete starting cash picture.
Estimated remaining funds due at closing
$51,073No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,889.47
Your down payment$40,889.47
Closing costs + prepaids$10,183.08
Total buyer cash needed$51,072.56
Remaining funds due$51,072.56
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%)$3,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,445.05
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$166.00
Prepaid interest, first (1 days)$55.03
Fees + prepaids$10,183.08
Your down payment is the seller’s equity. You take over the $289,011 balance, so the rest of the $329,900 price is paid at closing. A second mortgage can cover part of it. $51,072.56 is due at closing. Uses and sources reconcile at $340,083.08 each. Not a Closing Disclosure.