Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$27,240Cash toward the purchase price.
Closing costs + prepaids$11,889Not just lender fees.
Before credits & paid funds$39,129The complete starting cash picture.
Estimated remaining funds due at closing
$39,129No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,239.79
Your down payment$27,239.79
Closing costs + prepaids$11,888.92
Total buyer cash needed$39,128.71
Remaining funds due$39,128.71
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%)$4,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,863.80
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$402.50
Initial HOA (3 months)$375.00
Prepaid interest, first (1 days)$29.62
Fees + prepaids$11,888.92
Your down payment is the seller’s equity. You take over the $372,760 balance, so the rest of the $400,000 price is paid at closing. A second mortgage can cover part of it. $39,128.71 is due at closing. Uses and sources reconcile at $411,888.92 each. Not a Closing Disclosure.