Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$16,682Cash toward the purchase price.
Closing costs + prepaids$13,136Not just lender fees.
Before credits & paid funds$29,818The complete starting cash picture.
Estimated remaining funds due at closing
$29,818No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$16,681.81
Your down payment$16,681.81
Closing costs + prepaids$13,135.82
Total buyer cash needed$29,817.63
Remaining funds due$29,817.63
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%)$4,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,091.59
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,087.50
Initial HOA (3 months)$312.51
Prepaid interest, first (1 days)$76.21
Fees + prepaids$13,135.82
Your down payment is the seller’s equity. You take over the $418,318 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $29,817.63 is due at closing. Uses and sources reconcile at $448,135.82 each. Not a Closing Disclosure.