Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$48,243Cash toward the purchase price.
Closing costs + prepaids$11,094Not just lender fees.
Before credits & paid funds$59,337The complete starting cash picture.
Estimated remaining funds due at closing
$59,337No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,242.70
Your down payment$48,242.70
Closing costs + prepaids$11,093.93
Total buyer cash needed$59,336.63
Remaining funds due$59,336.63
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%)$3,899.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,708.29
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$219.50
Prepaid interest, first (1 days)$49.14
Fees + prepaids$11,093.93
Your down payment is the seller’s equity. You take over the $341,657 balance, so the rest of the $389,900 price is paid at closing. A second mortgage can cover part of it. $59,336.63 is due at closing. Uses and sources reconcile at $400,993.93 each. Not a Closing Disclosure.