Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$25,886Cash toward the purchase price.
Closing costs + prepaids$12,742Not just lender fees.
Before credits & paid funds$38,629The complete starting cash picture.
Estimated remaining funds due at closing
$38,629No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,886.25
Your down payment$25,886.25
Closing costs + prepaids$12,742.46
Total buyer cash needed$38,628.72
Remaining funds due$38,628.72
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%)$4,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,070.07
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$571.50
Initial HOA (3 months)$402.00
Prepaid interest, first (1 days)$81.90
Fees + prepaids$12,742.46
Your down payment is the seller’s equity. You take over the $414,014 balance, so the rest of the $439,900 price is paid at closing. A second mortgage can cover part of it. $38,628.72 is due at closing. Uses and sources reconcile at $452,642.46 each. Not a Closing Disclosure.