Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$40,021Cash toward the purchase price.
Closing costs + prepaids$11,224Not just lender fees.
Before credits & paid funds$51,245The complete starting cash picture.
Estimated remaining funds due at closing
$51,245No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,020.75
Your down payment$40,020.75
Closing costs + prepaids$11,224.41
Total buyer cash needed$51,245.16
Remaining funds due$51,245.16
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%)$4,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,799.90
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$153.50
Prepaid interest, first (1 days)$53.01
Fees + prepaids$11,224.41
Your down payment is the seller’s equity. You take over the $359,979 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $51,245.16 is due at closing. Uses and sources reconcile at $411,224.41 each. Not a Closing Disclosure.