Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$39,689Cash toward the purchase price.
Closing costs + prepaids$11,830Not just lender fees.
Before credits & paid funds$51,518The complete starting cash picture.
Estimated remaining funds due at closing
$51,518No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,688.68
Your down payment$39,688.68
Closing costs + prepaids$11,829.82
Total buyer cash needed$51,518.50
Remaining funds due$51,518.50
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%)$4,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,826.56
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$603.75
Prepaid interest, first (2 days)$131.51
Fees + prepaids$11,829.82
Your down payment is the seller’s equity. You take over the $365,311 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $51,518.50 is due at closing. Uses and sources reconcile at $416,829.82 each. Not a Closing Disclosure.