Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$16,154Cash toward the purchase price.
Closing costs + prepaids$13,126Not just lender fees.
Before credits & paid funds$29,280The complete starting cash picture.
Estimated remaining funds due at closing
$29,280No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,153.63
Your down payment$16,153.63
Closing costs + prepaids$13,126.03
Total buyer cash needed$29,279.66
Remaining funds due$29,279.66
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%)$1,919.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,843.25
Prepaid interest, first (2 days)$145.55
Fees + prepaids$13,126.03
Your down payment is the seller’s equity. You take over the $383,846 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $29,279.66 is due at closing. Uses and sources reconcile at $413,126.03 each. Not a Closing Disclosure.