Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$20,694Cash toward the purchase price.
Closing costs + prepaids$12,660Not just lender fees.
Before credits & paid funds$33,355The complete starting cash picture.
Estimated remaining funds due at closing
$33,355No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$20,694.31
Your down payment$20,694.31
Closing costs + prepaids$12,660.29
Total buyer cash needed$33,354.60
Remaining funds due$33,354.60
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,146.53
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$436.25
Initial HOA (3 months)$276.00
Prepaid interest, first (1 days)$83.51
Fees + prepaids$12,660.29
Your down payment is the seller’s equity. You take over the $429,306 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $33,354.60 is due at closing. Uses and sources reconcile at $462,660.29 each. Not a Closing Disclosure.