Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$34,488Cash toward the purchase price.
Closing costs + prepaids$12,289Not just lender fees.
Before credits & paid funds$46,777The complete starting cash picture.
Estimated remaining funds due at closing
$46,777No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,487.77
Your down payment$34,487.77
Closing costs + prepaids$12,289.01
Total buyer cash needed$46,776.78
Remaining funds due$46,776.78
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%)$4,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,027.06
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$392.75
Initial HOA (3 months)$180.00
Prepaid interest, first (1 days)$72.20
Fees + prepaids$12,289.01
Your down payment is the seller’s equity. You take over the $405,412 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $46,776.78 is due at closing. Uses and sources reconcile at $452,189.01 each. Not a Closing Disclosure.