Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$21,718Cash toward the purchase price.
Closing costs + prepaids$12,104Not just lender fees.
Before credits & paid funds$33,823The complete starting cash picture.
Estimated remaining funds due at closing
$33,823No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,718.46
Your down payment$21,718.46
Closing costs + prepaids$12,104.06
Total buyer cash needed$33,822.52
Remaining funds due$33,822.52
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,966.41
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$404.00
Initial HOA (3 months)$294.00
Prepaid interest, first (1 days)$71.65
Fees + prepaids$12,104.06
Your down payment is the seller’s equity. You take over the $393,282 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $33,822.52 is due at closing. Uses and sources reconcile at $427,104.06 each. Not a Closing Disclosure.