Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$33,771Cash toward the purchase price.
Closing costs + prepaids$10,348Not just lender fees.
Before credits & paid funds$44,120The complete starting cash picture.
Estimated remaining funds due at closing
$44,120No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,771.36
Your down payment$33,771.36
Closing costs + prepaids$10,348.15
Total buyer cash needed$44,119.50
Remaining funds due$44,119.50
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%)$3,099.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,381.14
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$370.25
Initial HOA (3 months)$257.01
Prepaid interest, first (1 days)$21.76
Fees + prepaids$10,348.15
Your down payment is the seller’s equity. You take over the $276,228 balance, so the rest of the $309,999 price is paid at closing. A second mortgage can cover part of it. $44,119.50 is due at closing. Uses and sources reconcile at $320,347.15 each. Not a Closing Disclosure.