Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$18,272Cash toward the purchase price.
Closing costs + prepaids$13,071Not just lender fees.
Before credits & paid funds$31,343The complete starting cash picture.
Estimated remaining funds due at closing
$31,343No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$18,271.87
Your down payment$18,271.87
Closing costs + prepaids$13,071.30
Total buyer cash needed$31,343.17
Remaining funds due$31,343.17
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%)$4,770.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,293.64
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$377.75
Initial HOA (3 months)$84.99
Prepaid interest, first (1 days)$76.92
Fees + prepaids$13,071.30
Your down payment is the seller’s equity. You take over the $458,728 balance, so the rest of the $477,000 price is paid at closing. A second mortgage can cover part of it. $31,343.17 is due at closing. Uses and sources reconcile at $490,071.30 each. Not a Closing Disclosure.