Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$33,440Cash toward the purchase price.
Closing costs + prepaids$13,900Not just lender fees.
Before credits & paid funds$47,339The complete starting cash picture.
Estimated remaining funds due at closing
$47,339No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,439.71
Your down payment$33,439.71
Closing costs + prepaids$13,899.64
Total buyer cash needed$47,339.34
Remaining funds due$47,339.34
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%)$4,598.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,132.24
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,149.75
Initial HOA (3 months)$390.00
Prepaid interest, first (2 days)$160.77
Fees + prepaids$13,899.64
Your down payment is the seller’s equity. You take over the $426,448 balance, so the rest of the $459,888 price is paid at closing. A second mortgage can cover part of it. $47,339.34 is due at closing. Uses and sources reconcile at $473,787.64 each. Not a Closing Disclosure.