Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$36,964Cash toward the purchase price.
Closing costs + prepaids$10,368Not just lender fees.
Before credits & paid funds$47,332The complete starting cash picture.
Estimated remaining funds due at closing
$47,332No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,963.65
Your down payment$36,963.65
Closing costs + prepaids$10,368.35
Total buyer cash needed$47,332.00
Remaining funds due$47,332.00
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%)$3,398.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,514.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$181.00
Prepaid interest, first (1 days)$57.17
Fees + prepaids$10,368.35
Your down payment is the seller’s equity. You take over the $302,836 balance, so the rest of the $339,800 price is paid at closing. A second mortgage can cover part of it. $47,332.00 is due at closing. Uses and sources reconcile at $350,168.35 each. Not a Closing Disclosure.