Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$26,193Cash toward the purchase price.
Closing costs + prepaids$12,067Not just lender fees.
Before credits & paid funds$38,260The complete starting cash picture.
Estimated remaining funds due at closing
$38,260No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,193.03
Your down payment$26,193.03
Closing costs + prepaids$12,066.81
Total buyer cash needed$38,259.84
Remaining funds due$38,259.84
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%)$4,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,894.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$483.75
Initial HOA (3 months)$294.00
Prepaid interest, first (2 days)$127.03
Fees + prepaids$12,066.81
Your down payment is the seller’s equity. You take over the $378,807 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $38,259.84 is due at closing. Uses and sources reconcile at $417,066.81 each. Not a Closing Disclosure.