Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$29,030Cash toward the purchase price.
Closing costs + prepaids$11,683Not just lender fees.
Before credits & paid funds$40,714The complete starting cash picture.
Estimated remaining funds due at closing
$40,714No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,030.12
Your down payment$29,030.12
Closing costs + prepaids$11,683.40
Total buyer cash needed$40,713.52
Remaining funds due$40,713.52
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%)$3,195.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,452.35
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$34.50
Initial HOA (3 months)$180.00
Prepaid interest, first (31 days)$1,603.55
Fees + prepaids$11,683.40
Your down payment is the seller’s equity. You take over the $290,470 balance, so the rest of the $319,500 price is paid at closing. A second mortgage can cover part of it. $40,713.52 is due at closing. Uses and sources reconcile at $331,183.40 each. Not a Closing Disclosure.