Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$36,058Cash toward the purchase price.
Closing costs + prepaids$11,965Not just lender fees.
Before credits & paid funds$48,023The complete starting cash picture.
Estimated remaining funds due at closing
$48,023No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,057.98
Your down payment$36,057.98
Closing costs + prepaids$11,964.67
Total buyer cash needed$48,022.65
Remaining funds due$48,022.65
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%)$4,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,969.71
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$414.25
Prepaid interest, first (1 days)$62.71
Fees + prepaids$11,964.67
Your down payment is the seller’s equity. You take over the $393,942 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $48,022.65 is due at closing. Uses and sources reconcile at $441,964.67 each. Not a Closing Disclosure.