Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$17,682Cash toward the purchase price.
Closing costs + prepaids$11,904Not just lender fees.
Before credits & paid funds$29,586The complete starting cash picture.
Estimated remaining funds due at closing
$29,586No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,682.03
Your down payment$17,682.03
Closing costs + prepaids$11,904.41
Total buyer cash needed$29,586.44
Remaining funds due$29,586.44
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%)$1,911.09
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$338.50
Initial HOA (3 months)$282.00
Prepaid interest, first (2 days)$155.82
Fees + prepaids$11,904.41
Your down payment is the seller’s equity. You take over the $382,218 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $29,586.44 is due at closing. Uses and sources reconcile at $411,804.41 each. Not a Closing Disclosure.