Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$37,167Cash toward the purchase price.
Closing costs + prepaids$12,316Not just lender fees.
Before credits & paid funds$49,482The complete starting cash picture.
Estimated remaining funds due at closing
$49,482No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,166.81
Your down payment$37,166.81
Closing costs + prepaids$12,315.66
Total buyer cash needed$49,482.47
Remaining funds due$49,482.47
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%)$4,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,909.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$774.50
Initial HOA (3 months)$156.00
Prepaid interest, first (1 days)$68.00
Fees + prepaids$12,315.66
Your down payment is the seller’s equity. You take over the $381,833 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $49,482.47 is due at closing. Uses and sources reconcile at $431,315.66 each. Not a Closing Disclosure.