Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$19,614Cash toward the purchase price.
Closing costs + prepaids$10,719Not just lender fees.
Before credits & paid funds$30,334The complete starting cash picture.
Estimated remaining funds due at closing
$30,334No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,614.26
Your down payment$19,614.26
Closing costs + prepaids$10,719.37
Total buyer cash needed$30,333.63
Remaining funds due$30,333.63
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%)$3,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,426.93
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$559.25
Initial HOA (3 months)$420.00
Prepaid interest, first (1 days)$45.19
Fees + prepaids$10,719.37
Your down payment is the seller’s equity. You take over the $285,386 balance, so the rest of the $305,000 price is paid at closing. A second mortgage can cover part of it. $30,333.63 is due at closing. Uses and sources reconcile at $315,719.37 each. Not a Closing Disclosure.