Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$37,427Cash toward the purchase price.
Closing costs + prepaids$11,899Not just lender fees.
Before credits & paid funds$49,326The complete starting cash picture.
Estimated remaining funds due at closing
$49,326No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,427.38
Your down payment$37,427.38
Closing costs + prepaids$11,898.64
Total buyer cash needed$49,326.01
Remaining funds due$49,326.01
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%)$4,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,912.36
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$370.25
Initial HOA (3 months)$135.00
Prepaid interest, first (1 days)$64.02
Fees + prepaids$11,898.64
Your down payment is the seller’s equity. You take over the $382,473 balance, so the rest of the $419,900 price is paid at closing. A second mortgage can cover part of it. $49,326.01 is due at closing. Uses and sources reconcile at $431,798.64 each. Not a Closing Disclosure.