Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$29,933Cash toward the purchase price.
Closing costs + prepaids$12,598Not just lender fees.
Before credits & paid funds$42,531The complete starting cash picture.
Estimated remaining funds due at closing
$42,531No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,932.94
Your down payment$29,932.94
Closing costs + prepaids$12,598.14
Total buyer cash needed$42,531.09
Remaining funds due$42,531.09
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%)$4,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,900.34
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$595.25
Initial HOA (3 months)$720.00
Prepaid interest, first (2 days)$64.56
Fees + prepaids$12,598.14
Your down payment is the seller’s equity. You take over the $380,067 balance, so the rest of the $410,000 price is paid at closing. A second mortgage can cover part of it. $42,531.09 is due at closing. Uses and sources reconcile at $422,598.14 each. Not a Closing Disclosure.