Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$48,730Cash toward the purchase price.
Closing costs + prepaids$11,236Not just lender fees.
Before credits & paid funds$59,966The complete starting cash picture.
Estimated remaining funds due at closing
$59,966No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,729.80
Your down payment$48,729.80
Closing costs + prepaids$11,235.73
Total buyer cash needed$59,965.53
Remaining funds due$59,965.53
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%)$3,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,755.85
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$233.25
Prepaid interest, first (1 days)$29.63
Fees + prepaids$11,235.73
Your down payment is the seller’s equity. You take over the $351,170 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $59,965.53 is due at closing. Uses and sources reconcile at $411,135.73 each. Not a Closing Disclosure.