Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$29,065Cash toward the purchase price.
Closing costs + prepaids$12,096Not just lender fees.
Before credits & paid funds$41,161The complete starting cash picture.
Estimated remaining funds due at closing
$41,161No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,064.72
Your down payment$29,064.72
Closing costs + prepaids$12,096.14
Total buyer cash needed$41,160.86
Remaining funds due$41,160.86
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%)$3,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,754.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,100.00
Initial HOA (3 months)$177.00
Prepaid interest, first (1 days)$47.96
Fees + prepaids$12,096.14
Your down payment is the seller’s equity. You take over the $350,835 balance, so the rest of the $379,900 price is paid at closing. A second mortgage can cover part of it. $41,160.86 is due at closing. Uses and sources reconcile at $391,996.14 each. Not a Closing Disclosure.