Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$71,035Cash toward the purchase price.
Closing costs + prepaids$11,557Not just lender fees.
Before credits & paid funds$82,592The complete starting cash picture.
Estimated remaining funds due at closing
$82,592No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,034.99
Your down payment$71,034.99
Closing costs + prepaids$11,557.07
Total buyer cash needed$82,592.07
Remaining funds due$82,592.07
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%)$4,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,794.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$52.25
Initial HOA (3 months)$129.00
Prepaid interest, first (1 days)$64.50
Fees + prepaids$11,557.07
Your down payment is the seller’s equity. You take over the $358,865 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $82,592.07 is due at closing. Uses and sources reconcile at $441,457.07 each. Not a Closing Disclosure.