Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$53,939Cash toward the purchase price.
Closing costs + prepaids$11,806Not just lender fees.
Before credits & paid funds$65,746The complete starting cash picture.
Estimated remaining funds due at closing
$65,746No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,939.28
Your down payment$53,939.28
Closing costs + prepaids$11,806.31
Total buyer cash needed$65,745.59
Remaining funds due$65,745.59
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%)$3,995.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,727.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$292.50
Initial HOA (3 months)$509.01
Prepaid interest, first (1 days)$64.00
Fees + prepaids$11,806.31
Your down payment is the seller’s equity. You take over the $345,561 balance, so the rest of the $399,500 price is paid at closing. A second mortgage can cover part of it. $65,745.59 is due at closing. Uses and sources reconcile at $411,306.31 each. Not a Closing Disclosure.