Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$45,958Cash toward the purchase price.
Closing costs + prepaids$12,176Not just lender fees.
Before credits & paid funds$58,134The complete starting cash picture.
Estimated remaining funds due at closing
$58,134No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$45,958.03
Your down payment$45,958.03
Closing costs + prepaids$12,176.43
Total buyer cash needed$58,134.45
Remaining funds due$58,134.45
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%)$4,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,770.21
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,000.00
Initial HOA (3 months)$66.00
Prepaid interest, first (2 days)$122.22
Fees + prepaids$12,176.43
Your down payment is the seller’s equity. You take over the $354,042 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $58,134.45 is due at closing. Uses and sources reconcile at $412,176.43 each. Not a Closing Disclosure.