Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$27,404Cash toward the purchase price.
Closing costs + prepaids$12,461Not just lender fees.
Before credits & paid funds$39,866The complete starting cash picture.
Estimated remaining funds due at closing
$39,866No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,404.49
Your down payment$27,404.49
Closing costs + prepaids$12,461.39
Total buyer cash needed$39,865.88
Remaining funds due$39,865.88
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%)$4,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,957.98
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$615.00
Initial HOA (3 months)$333.00
Prepaid interest, first (2 days)$147.41
Fees + prepaids$12,461.39
Your down payment is the seller’s equity. You take over the $391,596 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $39,865.88 is due at closing. Uses and sources reconcile at $431,461.39 each. Not a Closing Disclosure.