Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$48,251Cash toward the purchase price.
Closing costs + prepaids$12,464Not just lender fees.
Before credits & paid funds$60,715The complete starting cash picture.
Estimated remaining funds due at closing
$60,715No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,250.88
Your down payment$48,250.88
Closing costs + prepaids$12,463.86
Total buyer cash needed$60,714.74
Remaining funds due$60,714.74
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%)$1,858.25
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,157.25
Prepaid interest, first (1 days)$31.36
Fees + prepaids$12,463.86
Your down payment is the seller’s equity. You take over the $371,649 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $60,714.74 is due at closing. Uses and sources reconcile at $432,363.86 each. Not a Closing Disclosure.