Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$32,490Cash toward the purchase price.
Closing costs + prepaids$12,743Not just lender fees.
Before credits & paid funds$45,233The complete starting cash picture.
Estimated remaining funds due at closing
$45,233No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,490.24
Your down payment$32,490.24
Closing costs + prepaids$12,743.12
Total buyer cash needed$45,233.36
Remaining funds due$45,233.36
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%)$4,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,112.55
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$312.75
Initial HOA (3 months)$213.00
Prepaid interest, first (2 days)$86.82
Fees + prepaids$12,743.12
Your down payment is the seller’s equity. You take over the $422,510 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $45,233.36 is due at closing. Uses and sources reconcile at $467,743.12 each. Not a Closing Disclosure.