Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$43,521Cash toward the purchase price.
Closing costs + prepaids$12,291Not just lender fees.
Before credits & paid funds$55,812The complete starting cash picture.
Estimated remaining funds due at closing
$55,812No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,520.75
Your down payment$43,520.75
Closing costs + prepaids$12,291.25
Total buyer cash needed$55,812.00
Remaining funds due$55,812.00
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%)$4,249.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,907.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$504.00
Initial HOA (3 months)$276.00
Prepaid interest, first (2 days)$135.87
Fees + prepaids$12,291.25
Your down payment is the seller’s equity. You take over the $381,478 balance, so the rest of the $424,999 price is paid at closing. A second mortgage can cover part of it. $55,812.00 is due at closing. Uses and sources reconcile at $437,290.25 each. Not a Closing Disclosure.