Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$30,290Cash toward the purchase price.
Closing costs + prepaids$12,112Not just lender fees.
Before credits & paid funds$42,402The complete starting cash picture.
Estimated remaining funds due at closing
$42,402No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,289.87
Your down payment$30,289.87
Closing costs + prepaids$12,112.31
Total buyer cash needed$42,402.18
Remaining funds due$42,402.18
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%)$1,943.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$346.75
Initial HOA (3 months)$345.00
Prepaid interest, first (1 days)$69.01
Fees + prepaids$12,112.31
Your down payment is the seller’s equity. You take over the $388,710 balance, so the rest of the $419,000 price is paid at closing. A second mortgage can cover part of it. $42,402.18 is due at closing. Uses and sources reconcile at $431,112.31 each. Not a Closing Disclosure.