Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$26,142Cash toward the purchase price.
Closing costs + prepaids$11,838Not just lender fees.
Before credits & paid funds$37,980The complete starting cash picture.
Estimated remaining funds due at closing
$37,980No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,142.29
Your down payment$26,142.29
Closing costs + prepaids$11,838.06
Total buyer cash needed$37,980.35
Remaining funds due$37,980.35
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%)$4,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,019.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$166.00
Prepaid interest, first (2 days)$134.77
Fees + prepaids$11,838.06
Your down payment is the seller’s equity. You take over the $403,858 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $37,980.35 is due at closing. Uses and sources reconcile at $441,838.06 each. Not a Closing Disclosure.