Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$33,961Cash toward the purchase price.
Closing costs + prepaids$11,579Not just lender fees.
Before credits & paid funds$45,540The complete starting cash picture.
Estimated remaining funds due at closing
$45,540No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,961.04
Your down payment$33,961.04
Closing costs + prepaids$11,579.27
Total buyer cash needed$45,540.31
Remaining funds due$45,540.31
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%)$3,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,829.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$268.00
Initial HOA (3 months)$195.00
Prepaid interest, first (1 days)$69.58
Fees + prepaids$11,579.27
Your down payment is the seller’s equity. You take over the $365,939 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $45,540.31 is due at closing. Uses and sources reconcile at $411,479.27 each. Not a Closing Disclosure.