Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$12,307Cash toward the purchase price.
Closing costs + prepaids$14,947Not just lender fees.
Before credits & paid funds$27,254The complete starting cash picture.
Estimated remaining funds due at closing
$27,254No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$12,307.00
Your down payment$12,307.00
Closing costs + prepaids$14,947.43
Total buyer cash needed$27,254.43
Remaining funds due$27,254.43
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%)$4,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,233.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,147.50
Initial HOA (3 months)$1,425.00
Prepaid interest, first (1 days)$83.46
Fees + prepaids$14,947.43
Your down payment is the seller’s equity. You take over the $446,693 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $27,254.43 is due at closing. Uses and sources reconcile at $473,947.43 each. Not a Closing Disclosure.