Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$27,265Cash toward the purchase price.
Closing costs + prepaids$12,009Not just lender fees.
Before credits & paid funds$39,274The complete starting cash picture.
Estimated remaining funds due at closing
$39,274No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,265.15
Your down payment$27,265.15
Closing costs + prepaids$12,009.31
Total buyer cash needed$39,274.46
Remaining funds due$39,274.46
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%)$4,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,888.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$406.75
Initial HOA (3 months)$375.00
Prepaid interest, first (1 days)$70.89
Fees + prepaids$12,009.31
Your down payment is the seller’s equity. You take over the $377,735 balance, so the rest of the $405,000 price is paid at closing. A second mortgage can cover part of it. $39,274.46 is due at closing. Uses and sources reconcile at $417,009.31 each. Not a Closing Disclosure.