Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$35,919Cash toward the purchase price.
Closing costs + prepaids$12,710Not just lender fees.
Before credits & paid funds$48,629The complete starting cash picture.
Estimated remaining funds due at closing
$48,629No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,918.83
Your down payment$35,918.83
Closing costs + prepaids$12,709.96
Total buyer cash needed$48,628.79
Remaining funds due$48,628.79
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,145.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$366.50
Prepaid interest, first (1 days)$80.06
Fees + prepaids$12,709.96
Your down payment is the seller’s equity. You take over the $429,081 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $48,628.79 is due at closing. Uses and sources reconcile at $477,709.96 each. Not a Closing Disclosure.