Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$7,164Cash toward the purchase price.
Closing costs + prepaids$11,955Not just lender fees.
Before credits & paid funds$19,119The complete starting cash picture.
Estimated remaining funds due at closing
$19,119No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$7,163.88
Your down payment$7,163.88
Closing costs + prepaids$11,954.84
Total buyer cash needed$19,118.71
Remaining funds due$19,118.71
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%)$3,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,964.18
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$545.00
Initial HOA (3 months)$80.01
Prepaid interest, first (2 days)$147.66
Fees + prepaids$11,954.84
Your down payment is the seller’s equity. You take over the $392,835 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $19,118.71 is due at closing. Uses and sources reconcile at $411,953.84 each. Not a Closing Disclosure.