Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$28,429Cash toward the purchase price.
Closing costs + prepaids$12,256Not just lender fees.
Before credits & paid funds$40,685The complete starting cash picture.
Estimated remaining funds due at closing
$40,685No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,429.24
Your down payment$28,429.24
Closing costs + prepaids$12,255.90
Total buyer cash needed$40,685.14
Remaining funds due$40,685.14
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%)$4,245.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,980.35
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$566.50
Initial HOA (3 months)$106.50
Prepaid interest, first (2 days)$139.55
Fees + prepaids$12,255.90
Your down payment is the seller’s equity. You take over the $396,071 balance, so the rest of the $424,500 price is paid at closing. A second mortgage can cover part of it. $40,685.14 is due at closing. Uses and sources reconcile at $436,755.90 each. Not a Closing Disclosure.