Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$32,897Cash toward the purchase price.
Closing costs + prepaids$11,510Not just lender fees.
Before credits & paid funds$44,407The complete starting cash picture.
Estimated remaining funds due at closing
$44,407No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,896.79
Your down payment$32,896.79
Closing costs + prepaids$11,509.98
Total buyer cash needed$44,406.77
Remaining funds due$44,406.77
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%)$3,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,485.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$492.75
Initial HOA (3 months)$234.00
Prepaid interest, first (31 days)$779.71
Fees + prepaids$11,509.98
Your down payment is the seller’s equity. You take over the $297,103 balance, so the rest of the $330,000 price is paid at closing. A second mortgage can cover part of it. $44,406.77 is due at closing. Uses and sources reconcile at $341,509.98 each. Not a Closing Disclosure.