Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$22,646Cash toward the purchase price.
Closing costs + prepaids$12,739Not just lender fees.
Before credits & paid funds$35,385The complete starting cash picture.
Estimated remaining funds due at closing
$35,385No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$22,646.08
Your down payment$22,646.08
Closing costs + prepaids$12,738.64
Total buyer cash needed$35,384.72
Remaining funds due$35,384.72
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%)$4,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,061.77
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$755.00
Initial HOA (3 months)$207.00
Prepaid interest, first (2 days)$146.87
Fees + prepaids$12,738.64
Your down payment is the seller’s equity. You take over the $412,354 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $35,384.72 is due at closing. Uses and sources reconcile at $447,738.64 each. Not a Closing Disclosure.