Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$42,123Cash toward the purchase price.
Closing costs + prepaids$12,073Not just lender fees.
Before credits & paid funds$54,196The complete starting cash picture.
Estimated remaining funds due at closing
$54,196No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,123.45
Your down payment$42,123.45
Closing costs + prepaids$12,072.97
Total buyer cash needed$54,196.43
Remaining funds due$54,196.43
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%)$3,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,784.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$604.25
Initial HOA (3 months)$342.00
Prepaid interest, first (2 days)$134.34
Fees + prepaids$12,072.97
Your down payment is the seller’s equity. You take over the $356,877 balance, so the rest of the $399,000 price is paid at closing. A second mortgage can cover part of it. $54,196.43 is due at closing. Uses and sources reconcile at $411,072.97 each. Not a Closing Disclosure.