Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$18,584Cash toward the purchase price.
Closing costs + prepaids$11,993Not just lender fees.
Before credits & paid funds$30,576The complete starting cash picture.
Estimated remaining funds due at closing
$30,576No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,583.77
Your down payment$18,583.77
Closing costs + prepaids$11,992.72
Total buyer cash needed$30,576.49
Remaining funds due$30,576.49
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%)$4,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,007.08
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$314.50
Initial HOA (3 months)$180.00
Prepaid interest, first (1 days)$73.13
Fees + prepaids$11,992.72
Your down payment is the seller’s equity. You take over the $401,416 balance, so the rest of the $420,000 price is paid at closing. A second mortgage can cover part of it. $30,576.49 is due at closing. Uses and sources reconcile at $431,992.72 each. Not a Closing Disclosure.