Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$19,130Cash toward the purchase price.
Closing costs + prepaids$12,539Not just lender fees.
Before credits & paid funds$31,669The complete starting cash picture.
Estimated remaining funds due at closing
$31,669No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,130.02
Your down payment$19,130.02
Closing costs + prepaids$12,539.12
Total buyer cash needed$31,669.14
Remaining funds due$31,669.14
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,979.35
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$532.25
Initial HOA (3 months)$494.01
Prepaid interest, first (2 days)$165.51
Fees + prepaids$12,539.12
Your down payment is the seller’s equity. You take over the $395,870 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $31,669.14 is due at closing. Uses and sources reconcile at $427,539.12 each. Not a Closing Disclosure.