Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$29,346Cash toward the purchase price.
Closing costs + prepaids$11,863Not just lender fees.
Before credits & paid funds$41,209The complete starting cash picture.
Estimated remaining funds due at closing
$41,209No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,346.04
Your down payment$29,346.04
Closing costs + prepaids$11,863.35
Total buyer cash needed$41,209.38
Remaining funds due$41,209.38
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%)$3,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,848.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$465.25
Initial HOA (3 months)$276.00
Prepaid interest, first (1 days)$65.83
Fees + prepaids$11,863.35
Your down payment is the seller’s equity. You take over the $369,654 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $41,209.38 is due at closing. Uses and sources reconcile at $410,863.35 each. Not a Closing Disclosure.