Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$41,725Cash toward the purchase price.
Closing costs + prepaids$11,991Not just lender fees.
Before credits & paid funds$53,716The complete starting cash picture.
Estimated remaining funds due at closing
$53,716No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,725.19
Your down payment$41,725.19
Closing costs + prepaids$11,990.96
Total buyer cash needed$53,716.15
Remaining funds due$53,716.15
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%)$4,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,890.87
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$551.50
Prepaid interest, first (2 days)$131.58
Fees + prepaids$11,990.96
Your down payment is the seller’s equity. You take over the $378,175 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $53,716.15 is due at closing. Uses and sources reconcile at $431,890.96 each. Not a Closing Disclosure.