Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$46,469Cash toward the purchase price.
Closing costs + prepaids$12,398Not just lender fees.
Before credits & paid funds$58,867The complete starting cash picture.
Estimated remaining funds due at closing
$58,867No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,468.67
Your down payment$46,468.67
Closing costs + prepaids$12,398.25
Total buyer cash needed$58,866.92
Remaining funds due$58,866.92
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%)$4,120.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,827.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,030.00
Initial HOA (3 months)$69.00
Prepaid interest, first (2 days)$133.59
Fees + prepaids$12,398.25
Your down payment is the seller’s equity. You take over the $365,531 balance, so the rest of the $412,000 price is paid at closing. A second mortgage can cover part of it. $58,866.92 is due at closing. Uses and sources reconcile at $424,398.25 each. Not a Closing Disclosure.