Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$43,405Cash toward the purchase price.
Closing costs + prepaids$11,772Not just lender fees.
Before credits & paid funds$55,177The complete starting cash picture.
Estimated remaining funds due at closing
$55,177No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,405.24
Your down payment$43,405.24
Closing costs + prepaids$11,771.97
Total buyer cash needed$55,177.21
Remaining funds due$55,177.21
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%)$3,940.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,752.97
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$498.75
Initial HOA (3 months)$300.00
Prepaid interest, first (1 days)$62.24
Fees + prepaids$11,771.97
Your down payment is the seller’s equity. You take over the $350,595 balance, so the rest of the $394,000 price is paid at closing. A second mortgage can cover part of it. $55,177.21 is due at closing. Uses and sources reconcile at $405,771.97 each. Not a Closing Disclosure.