Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$70,557Cash toward the purchase price.
Closing costs + prepaids$11,489Not just lender fees.
Before credits & paid funds$82,045The complete starting cash picture.
Estimated remaining funds due at closing
$82,045No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,556.81
Your down payment$70,556.81
Closing costs + prepaids$11,488.53
Total buyer cash needed$82,045.34
Remaining funds due$82,045.34
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%)$1,642.22
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$339.25
Initial HOA (3 months)$252.00
Prepaid interest, first (1 days)$47.06
Fees + prepaids$11,488.53
Your down payment is the seller’s equity. You take over the $328,443 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $82,045.34 is due at closing. Uses and sources reconcile at $410,488.53 each. Not a Closing Disclosure.