Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$44,901Cash toward the purchase price.
Closing costs + prepaids$12,025Not just lender fees.
Before credits & paid funds$56,926The complete starting cash picture.
Estimated remaining funds due at closing
$56,926No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,900.53
Your down payment$44,900.53
Closing costs + prepaids$12,025.32
Total buyer cash needed$56,925.84
Remaining funds due$56,925.84
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%)$3,945.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,748.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$303.50
Initial HOA (3 months)$750.00
Prepaid interest, first (1 days)$60.82
Fees + prepaids$12,025.32
Your down payment is the seller’s equity. You take over the $349,599 balance, so the rest of the $394,500 price is paid at closing. A second mortgage can cover part of it. $56,925.84 is due at closing. Uses and sources reconcile at $406,525.32 each. Not a Closing Disclosure.