Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$26,924Cash toward the purchase price.
Closing costs + prepaids$11,388Not just lender fees.
Before credits & paid funds$38,312The complete starting cash picture.
Estimated remaining funds due at closing
$38,312No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,924.45
Your down payment$26,924.45
Closing costs + prepaids$11,387.63
Total buyer cash needed$38,312.09
Remaining funds due$38,312.09
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%)$3,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,865.37
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$224.75
Prepaid interest, first (2 days)$79.52
Fees + prepaids$11,387.63
Your down payment is the seller’s equity. You take over the $373,075 balance, so the rest of the $399,999 price is paid at closing. A second mortgage can cover part of it. $38,312.09 is due at closing. Uses and sources reconcile at $411,386.63 each. Not a Closing Disclosure.