Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$1,901Cash toward the purchase price.
Closing costs + prepaids$11,598Not just lender fees.
Before credits & paid funds$13,499The complete starting cash picture.
Estimated remaining funds due at closing
$13,499No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$1,900.82
Your down payment$1,900.82
Closing costs + prepaids$11,598.20
Total buyer cash needed$13,499.01
Remaining funds due$13,499.01
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%)$4,049.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,015.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Initial HOA (3 months)$174.99
Prepaid interest, first (2 days)$140.46
Fees + prepaids$11,598.20
Your down payment is the seller’s equity. You take over the $403,049 balance, so the rest of the $404,950 price is paid at closing. A second mortgage can cover part of it. $13,499.01 is due at closing. Uses and sources reconcile at $416,548.20 each. Not a Closing Disclosure.