Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$40,103Cash toward the purchase price.
Closing costs + prepaids$12,363Not just lender fees.
Before credits & paid funds$52,466The complete starting cash picture.
Estimated remaining funds due at closing
$52,466No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,103.27
Your down payment$40,103.27
Closing costs + prepaids$12,362.61
Total buyer cash needed$52,465.88
Remaining funds due$52,465.88
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%)$4,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,994.48
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$701.00
Prepaid interest, first (1 days)$59.12
Fees + prepaids$12,362.61
Your down payment is the seller’s equity. You take over the $398,897 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $52,465.88 is due at closing. Uses and sources reconcile at $451,362.61 each. Not a Closing Disclosure.