Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$21,371Cash toward the purchase price.
Closing costs + prepaids$12,470Not just lender fees.
Before credits & paid funds$33,840The complete starting cash picture.
Estimated remaining funds due at closing
$33,840No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,370.74
Your down payment$21,370.74
Closing costs + prepaids$12,469.68
Total buyer cash needed$33,840.42
Remaining funds due$33,840.42
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%)$1,868.15
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,363.00
Prepaid interest, first (1 days)$70.53
Fees + prepaids$12,469.68
Your down payment is the seller’s equity. You take over the $373,629 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $33,840.42 is due at closing. Uses and sources reconcile at $407,469.68 each. Not a Closing Disclosure.