Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$16,784Cash toward the purchase price.
Closing costs + prepaids$12,766Not just lender fees.
Before credits & paid funds$29,550The complete starting cash picture.
Estimated remaining funds due at closing
$29,550No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,783.63
Your down payment$16,783.63
Closing costs + prepaids$12,766.48
Total buyer cash needed$29,550.12
Remaining funds due$29,550.12
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%)$4,599.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,215.58
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$392.00
Prepaid interest, first (1 days)$91.90
Fees + prepaids$12,766.48
Your down payment is the seller’s equity. You take over the $443,116 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $29,550.12 is due at closing. Uses and sources reconcile at $472,666.48 each. Not a Closing Disclosure.