Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$2,255Cash toward the purchase price.
Closing costs + prepaids$12,257Not just lender fees.
Before credits & paid funds$14,512The complete starting cash picture.
Estimated remaining funds due at closing
$14,512No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$2,255.32
Your down payment$2,255.32
Closing costs + prepaids$12,256.99
Total buyer cash needed$14,512.32
Remaining funds due$14,512.32
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%)$4,070.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,023.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$495.75
Initial HOA (3 months)$375.00
Prepaid interest, first (1 days)$74.52
Fees + prepaids$12,256.99
Your down payment is the seller’s equity. You take over the $404,745 balance, so the rest of the $407,000 price is paid at closing. A second mortgage can cover part of it. $14,512.32 is due at closing. Uses and sources reconcile at $419,256.99 each. Not a Closing Disclosure.