Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$26,205Cash toward the purchase price.
Closing costs + prepaids$12,300Not just lender fees.
Before credits & paid funds$38,505The complete starting cash picture.
Estimated remaining funds due at closing
$38,505No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,204.85
Your down payment$26,204.85
Closing costs + prepaids$12,299.77
Total buyer cash needed$38,504.62
Remaining funds due$38,504.62
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%)$4,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,018.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$607.25
Prepaid interest, first (2 days)$155.54
Fees + prepaids$12,299.77
Your down payment is the seller’s equity. You take over the $403,795 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $38,504.62 is due at closing. Uses and sources reconcile at $442,299.77 each. Not a Closing Disclosure.