Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$43,853Cash toward the purchase price.
Closing costs + prepaids$11,475Not just lender fees.
Before credits & paid funds$55,328The complete starting cash picture.
Estimated remaining funds due at closing
$55,328No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,852.86
Your down payment$43,852.86
Closing costs + prepaids$11,474.89
Total buyer cash needed$55,327.75
Remaining funds due$55,327.75
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%)$3,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,755.74
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$413.00
Prepaid interest, first (2 days)$138.15
Fees + prepaids$11,474.89
Your down payment is the seller’s equity. You take over the $351,147 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $55,327.75 is due at closing. Uses and sources reconcile at $406,474.89 each. Not a Closing Disclosure.