Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$32,971Cash toward the purchase price.
Closing costs + prepaids$10,925Not just lender fees.
Before credits & paid funds$43,896The complete starting cash picture.
Estimated remaining funds due at closing
$43,896No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,971.00
Your down payment$32,971.00
Closing costs + prepaids$10,924.66
Total buyer cash needed$43,895.67
Remaining funds due$43,895.67
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%)$3,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,530.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$188.75
Initial HOA (3 months)$540.00
Prepaid interest, first (1 days)$57.77
Fees + prepaids$10,924.66
Your down payment is the seller’s equity. You take over the $306,029 balance, so the rest of the $339,000 price is paid at closing. A second mortgage can cover part of it. $43,895.67 is due at closing. Uses and sources reconcile at $349,924.66 each. Not a Closing Disclosure.