Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$32,025Cash toward the purchase price.
Closing costs + prepaids$12,494Not just lender fees.
Before credits & paid funds$44,519The complete starting cash picture.
Estimated remaining funds due at closing
$44,519No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,025.00
Your down payment$32,025.00
Closing costs + prepaids$12,494.33
Total buyer cash needed$44,519.33
Remaining funds due$44,519.33
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,089.88
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$487.75
Initial HOA (3 months)$56.25
Prepaid interest, first (2 days)$142.46
Fees + prepaids$12,494.33
Your down payment is the seller’s equity. You take over the $417,975 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $44,519.33 is due at closing. Uses and sources reconcile at $462,494.33 each. Not a Closing Disclosure.