Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$16,834Cash toward the purchase price.
Closing costs + prepaids$11,733Not just lender fees.
Before credits & paid funds$28,566The complete starting cash picture.
Estimated remaining funds due at closing
$28,566No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,833.61
Your down payment$16,833.61
Closing costs + prepaids$11,732.67
Total buyer cash needed$28,566.28
Remaining funds due$28,566.28
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%)$3,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,915.33
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$322.75
Initial HOA (3 months)$210.00
Prepaid interest, first (1 days)$67.59
Fees + prepaids$11,732.67
Your down payment is the seller’s equity. You take over the $383,066 balance, so the rest of the $399,900 price is paid at closing. A second mortgage can cover part of it. $28,566.28 is due at closing. Uses and sources reconcile at $411,632.67 each. Not a Closing Disclosure.