Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$30,673Cash toward the purchase price.
Closing costs + prepaids$13,667Not just lender fees.
Before credits & paid funds$44,340The complete starting cash picture.
Estimated remaining funds due at closing
$44,340No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,672.57
Your down payment$30,672.57
Closing costs + prepaids$13,667.00
Total buyer cash needed$44,339.57
Remaining funds due$44,339.57
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%)$4,699.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,196.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,174.75
Initial HOA (3 months)$45.00
Prepaid interest, first (1 days)$84.12
Fees + prepaids$13,667.00
Your down payment is the seller’s equity. You take over the $439,227 balance, so the rest of the $469,900 price is paid at closing. A second mortgage can cover part of it. $44,339.57 is due at closing. Uses and sources reconcile at $483,567.00 each. Not a Closing Disclosure.