Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$30,881Cash toward the purchase price.
Closing costs + prepaids$16,251Not just lender fees.
Before credits & paid funds$47,132The complete starting cash picture.
Estimated remaining funds due at closing
$47,132No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,881.14
Your down payment$30,881.14
Closing costs + prepaids$16,250.90
Total buyer cash needed$47,132.04
Remaining funds due$47,132.04
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%)$2,020.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$685.25
Initial HOA (3 months)$1,650.00
Prepaid interest, first (31 days)$2,327.06
Fees + prepaids$16,250.90
Your down payment is the seller’s equity. You take over the $404,119 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $47,132.04 is due at closing. Uses and sources reconcile at $451,250.90 each. Not a Closing Disclosure.