Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$26,942Cash toward the purchase price.
Closing costs + prepaids$11,415Not just lender fees.
Before credits & paid funds$38,357The complete starting cash picture.
Estimated remaining funds due at closing
$38,357No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,942.50
Your down payment$26,942.50
Closing costs + prepaids$11,414.56
Total buyer cash needed$38,357.06
Remaining funds due$38,357.06
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%)$4,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,865.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$279.25
Prepaid interest, first (1 days)$52.02
Fees + prepaids$11,414.56
Your down payment is the seller’s equity. You take over the $373,058 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $38,357.06 is due at closing. Uses and sources reconcile at $411,414.56 each. Not a Closing Disclosure.