Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$31,263Cash toward the purchase price.
Closing costs + prepaids$14,592Not just lender fees.
Before credits & paid funds$45,855The complete starting cash picture.
Estimated remaining funds due at closing
$45,855No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,263.33
Your down payment$31,263.33
Closing costs + prepaids$14,591.96
Total buyer cash needed$45,855.29
Remaining funds due$45,855.29
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%)$5,149.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,418.63
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,218.50
Initial HOA (3 months)$171.00
Prepaid interest, first (2 days)$165.92
Fees + prepaids$14,591.96
Your down payment is the seller’s equity. You take over the $483,727 balance, so the rest of the $514,990 price is paid at closing. A second mortgage can cover part of it. $45,855.29 is due at closing. Uses and sources reconcile at $529,581.96 each. Not a Closing Disclosure.