Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$40,543Cash toward the purchase price.
Closing costs + prepaids$12,600Not just lender fees.
Before credits & paid funds$53,143The complete starting cash picture.
Estimated remaining funds due at closing
$53,143No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,542.94
Your down payment$40,542.94
Closing costs + prepaids$12,599.77
Total buyer cash needed$53,142.71
Remaining funds due$53,142.71
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%)$4,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,946.79
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,074.75
Prepaid interest, first (2 days)$61.23
Fees + prepaids$12,599.77
Your down payment is the seller’s equity. You take over the $389,357 balance, so the rest of the $429,900 price is paid at closing. A second mortgage can cover part of it. $53,142.71 is due at closing. Uses and sources reconcile at $442,499.77 each. Not a Closing Disclosure.