Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$22,860Cash toward the purchase price.
Closing costs + prepaids$10,745Not just lender fees.
Before credits & paid funds$33,605The complete starting cash picture.
Estimated remaining funds due at closing
$33,605No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,859.96
Your down payment$22,859.96
Closing costs + prepaids$10,745.09
Total buyer cash needed$33,605.04
Remaining funds due$33,605.04
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%)$3,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,460.70
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$197.00
Initial HOA (3 months)$666.00
Prepaid interest, first (1 days)$53.39
Fees + prepaids$10,745.09
Your down payment is the seller’s equity. You take over the $292,140 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $33,605.04 is due at closing. Uses and sources reconcile at $325,745.09 each. Not a Closing Disclosure.