Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$21,029Cash toward the purchase price.
Closing costs + prepaids$12,643Not just lender fees.
Before credits & paid funds$33,671The complete starting cash picture.
Estimated remaining funds due at closing
$33,671No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,028.51
Your down payment$21,028.51
Closing costs + prepaids$12,642.92
Total buyer cash needed$33,671.43
Remaining funds due$33,671.43
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%)$4,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,044.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,019.50
Prepaid interest, first (1 days)$62.06
Fees + prepaids$12,642.92
Your down payment is the seller’s equity. You take over the $408,871 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $33,671.43 is due at closing. Uses and sources reconcile at $442,542.92 each. Not a Closing Disclosure.