Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$27,694Cash toward the purchase price.
Closing costs + prepaids$10,916Not just lender fees.
Before credits & paid funds$38,611The complete starting cash picture.
Estimated remaining funds due at closing
$38,611No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,694.13
Your down payment$27,694.13
Closing costs + prepaids$10,916.48
Total buyer cash needed$38,610.61
Remaining funds due$38,610.61
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%)$3,298.70
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,510.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$459.50
Initial HOA (3 months)$339.99
Prepaid interest, first (2 days)$89.41
Fees + prepaids$10,916.48
Your down payment is the seller’s equity. You take over the $302,176 balance, so the rest of the $329,870 price is paid at closing. A second mortgage can cover part of it. $38,610.61 is due at closing. Uses and sources reconcile at $340,786.48 each. Not a Closing Disclosure.