Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$14,771Cash toward the purchase price.
Closing costs + prepaids$13,425Not just lender fees.
Before credits & paid funds$28,196The complete starting cash picture.
Estimated remaining funds due at closing
$28,196No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,771.06
Your down payment$14,771.06
Closing costs + prepaids$13,424.91
Total buyer cash needed$28,195.96
Remaining funds due$28,195.96
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%)$4,525.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,188.64
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,131.25
Prepaid interest, first (2 days)$112.01
Fees + prepaids$13,424.91
Your down payment is the seller’s equity. You take over the $437,729 balance, so the rest of the $452,500 price is paid at closing. A second mortgage can cover part of it. $28,195.96 is due at closing. Uses and sources reconcile at $465,924.91 each. Not a Closing Disclosure.