Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$73,809Cash toward the purchase price.
Closing costs + prepaids$11,216Not just lender fees.
Before credits & paid funds$85,025The complete starting cash picture.
Estimated remaining funds due at closing
$85,025No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,809.16
Your down payment$73,809.16
Closing costs + prepaids$11,215.80
Total buyer cash needed$85,024.96
Remaining funds due$85,024.96
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%)$4,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,680.45
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$100.75
Initial HOA (3 months)$91.26
Prepaid interest, first (1 days)$26.33
Fees + prepaids$11,215.80
Your down payment is the seller’s equity. You take over the $336,091 balance, so the rest of the $409,900 price is paid at closing. A second mortgage can cover part of it. $85,024.96 is due at closing. Uses and sources reconcile at $421,115.80 each. Not a Closing Disclosure.