Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$31,917Cash toward the purchase price.
Closing costs + prepaids$12,346Not just lender fees.
Before credits & paid funds$44,264The complete starting cash picture.
Estimated remaining funds due at closing
$44,264No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,917.36
Your down payment$31,917.36
Closing costs + prepaids$12,346.17
Total buyer cash needed$44,263.53
Remaining funds due$44,263.53
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%)$4,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,890.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,079.75
Prepaid interest, first (2 days)$58.01
Fees + prepaids$12,346.17
Your down payment is the seller’s equity. You take over the $378,083 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $44,263.53 is due at closing. Uses and sources reconcile at $422,346.17 each. Not a Closing Disclosure.