Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$47,267Cash toward the purchase price.
Closing costs + prepaids$11,391Not just lender fees.
Before credits & paid funds$58,657The complete starting cash picture.
Estimated remaining funds due at closing
$58,657No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,266.69
Your down payment$47,266.69
Closing costs + prepaids$11,390.60
Total buyer cash needed$58,657.30
Remaining funds due$58,657.30
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%)$3,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,738.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$421.25
Prepaid interest, first (1 days)$62.69
Fees + prepaids$11,390.60
Your down payment is the seller’s equity. You take over the $347,733 balance, so the rest of the $395,000 price is paid at closing. A second mortgage can cover part of it. $58,657.30 is due at closing. Uses and sources reconcile at $406,390.60 each. Not a Closing Disclosure.