Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$29,569Cash toward the purchase price.
Closing costs + prepaids$13,128Not just lender fees.
Before credits & paid funds$42,697The complete starting cash picture.
Estimated remaining funds due at closing
$42,697No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,569.45
Your down payment$29,569.45
Closing costs + prepaids$13,127.53
Total buyer cash needed$42,696.98
Remaining funds due$42,696.98
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%)$4,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,227.15
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$512.75
Prepaid interest, first (2 days)$169.63
Fees + prepaids$13,127.53
Your down payment is the seller’s equity. You take over the $445,431 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $42,696.98 is due at closing. Uses and sources reconcile at $488,127.53 each. Not a Closing Disclosure.