Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$15,153Cash toward the purchase price.
Closing costs + prepaids$12,896Not just lender fees.
Before credits & paid funds$28,049The complete starting cash picture.
Estimated remaining funds due at closing
$28,049No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,153.01
Your down payment$15,153.01
Closing costs + prepaids$12,896.01
Total buyer cash needed$28,049.02
Remaining funds due$28,049.02
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%)$4,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,169.23
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$650.75
Initial HOA (3 months)$204.00
Prepaid interest, first (2 days)$164.03
Fees + prepaids$12,896.01
Your down payment is the seller’s equity. You take over the $433,847 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $28,049.02 is due at closing. Uses and sources reconcile at $461,896.01 each. Not a Closing Disclosure.