Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$21,837Cash toward the purchase price.
Closing costs + prepaids$12,220Not just lender fees.
Before credits & paid funds$34,057The complete starting cash picture.
Estimated remaining funds due at closing
$34,057No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,837.27
Your down payment$21,837.27
Closing costs + prepaids$12,219.61
Total buyer cash needed$34,056.88
Remaining funds due$34,056.88
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%)$4,245.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,013.31
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$380.50
Initial HOA (3 months)$288.00
Prepaid interest, first (1 days)$74.80
Fees + prepaids$12,219.61
Your down payment is the seller’s equity. You take over the $402,663 balance, so the rest of the $424,500 price is paid at closing. A second mortgage can cover part of it. $34,056.88 is due at closing. Uses and sources reconcile at $436,719.61 each. Not a Closing Disclosure.