Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$40,639Cash toward the purchase price.
Closing costs + prepaids$12,709Not just lender fees.
Before credits & paid funds$53,348The complete starting cash picture.
Estimated remaining funds due at closing
$53,348No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,638.95
Your down payment$40,638.95
Closing costs + prepaids$12,708.95
Total buyer cash needed$53,347.90
Remaining funds due$53,347.90
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%)$4,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,041.81
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$490.75
Initial HOA (3 months)$411.00
Prepaid interest, first (1 days)$57.39
Fees + prepaids$12,708.95
Your down payment is the seller’s equity. You take over the $408,361 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $53,347.90 is due at closing. Uses and sources reconcile at $461,708.95 each. Not a Closing Disclosure.