Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$31,304Cash toward the purchase price.
Closing costs + prepaids$12,365Not just lender fees.
Before credits & paid funds$43,669The complete starting cash picture.
Estimated remaining funds due at closing
$43,669No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,304.22
Your down payment$31,304.22
Closing costs + prepaids$12,364.63
Total buyer cash needed$43,668.84
Remaining funds due$43,668.84
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%)$3,899.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,793.43
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,294.25
Initial HOA (3 months)$28.74
Prepaid interest, first (2 days)$130.31
Fees + prepaids$12,364.63
Your down payment is the seller’s equity. You take over the $358,686 balance, so the rest of the $389,990 price is paid at closing. A second mortgage can cover part of it. $43,668.84 is due at closing. Uses and sources reconcile at $402,354.63 each. Not a Closing Disclosure.