Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$51,820Cash toward the purchase price.
Closing costs + prepaids$11,363Not just lender fees.
Before credits & paid funds$63,183The complete starting cash picture.
Estimated remaining funds due at closing
$63,183No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,820.09
Your down payment$51,820.09
Closing costs + prepaids$11,362.87
Total buyer cash needed$63,182.96
Remaining funds due$63,182.96
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%)$3,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,690.40
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$215.25
Initial HOA (3 months)$240.00
Prepaid interest, first (2 days)$100.22
Fees + prepaids$11,362.87
Your down payment is the seller’s equity. You take over the $338,080 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $63,182.96 is due at closing. Uses and sources reconcile at $401,262.87 each. Not a Closing Disclosure.