Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$17,678Cash toward the purchase price.
Closing costs + prepaids$12,757Not just lender fees.
Before credits & paid funds$30,436The complete starting cash picture.
Estimated remaining funds due at closing
$30,436No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,678.45
Your down payment$17,678.45
Closing costs + prepaids$12,757.34
Total buyer cash needed$30,435.79
Remaining funds due$30,435.79
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%)$2,211.11
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)$87.23
Fees + prepaids$12,757.34
Your down payment is the seller’s equity. You take over the $442,222 balance, so the rest of the $459,900 price is paid at closing. A second mortgage can cover part of it. $30,435.79 is due at closing. Uses and sources reconcile at $472,657.34 each. Not a Closing Disclosure.