Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$13,209Cash toward the purchase price.
Closing costs + prepaids$12,549Not just lender fees.
Before credits & paid funds$25,758The complete starting cash picture.
Estimated remaining funds due at closing
$25,758No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,208.87
Your down payment$13,208.87
Closing costs + prepaids$12,548.84
Total buyer cash needed$25,757.71
Remaining funds due$25,757.71
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%)$4,149.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,008.95
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,099.25
Prepaid interest, first (1 days)$72.65
Fees + prepaids$12,548.84
Your down payment is the seller’s equity. You take over the $401,790 balance, so the rest of the $414,999 price is paid at closing. A second mortgage can cover part of it. $25,757.71 is due at closing. Uses and sources reconcile at $427,547.84 each. Not a Closing Disclosure.