Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$12,806Cash toward the purchase price.
Closing costs + prepaids$12,593Not just lender fees.
Before credits & paid funds$25,399The complete starting cash picture.
Estimated remaining funds due at closing
$25,399No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,806.33
Your down payment$12,806.33
Closing costs + prepaids$12,592.94
Total buyer cash needed$25,399.27
Remaining funds due$25,399.27
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%)$2,085.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$618.25
Initial HOA (3 months)$315.00
Prepaid interest, first (1 days)$55.72
Fees + prepaids$12,592.94
Your down payment is the seller’s equity. You take over the $417,194 balance, so the rest of the $430,000 price is paid at closing. A second mortgage can cover part of it. $25,399.27 is due at closing. Uses and sources reconcile at $442,592.94 each. Not a Closing Disclosure.