Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$14,220Cash toward the purchase price.
Closing costs + prepaids$12,347Not just lender fees.
Before credits & paid funds$26,567The complete starting cash picture.
Estimated remaining funds due at closing
$26,567No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,220.20
Your down payment$14,220.20
Closing costs + prepaids$12,346.91
Total buyer cash needed$26,567.11
Remaining funds due$26,567.11
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%)$3,948.98
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,903.39
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$773.25
Initial HOA (3 months)$438.00
Prepaid interest, first (1 days)$65.29
Fees + prepaids$12,346.91
Your down payment is the seller’s equity. You take over the $380,678 balance, so the rest of the $394,898 price is paid at closing. A second mortgage can cover part of it. $26,567.11 is due at closing. Uses and sources reconcile at $407,244.91 each. Not a Closing Disclosure.