Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$21,366Cash toward the purchase price.
Closing costs + prepaids$12,088Not just lender fees.
Before credits & paid funds$33,455The complete starting cash picture.
Estimated remaining funds due at closing
$33,455No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,366.13
Your down payment$21,366.13
Closing costs + prepaids$12,088.44
Total buyer cash needed$33,454.57
Remaining funds due$33,454.57
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%)$3,949.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,867.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$987.25
Prepaid interest, first (1 days)$66.52
Fees + prepaids$12,088.44
Your down payment is the seller’s equity. You take over the $373,534 balance, so the rest of the $394,900 price is paid at closing. A second mortgage can cover part of it. $33,454.57 is due at closing. Uses and sources reconcile at $406,988.44 each. Not a Closing Disclosure.