Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$21,798Cash toward the purchase price.
Closing costs + prepaids$12,937Not just lender fees.
Before credits & paid funds$34,735The complete starting cash picture.
Estimated remaining funds due at closing
$34,735No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,797.90
Your down payment$21,797.90
Closing costs + prepaids$12,937.46
Total buyer cash needed$34,735.36
Remaining funds due$34,735.36
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%)$4,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,086.01
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,114.50
Initial HOA (3 months)$37.74
Prepaid interest, first (2 days)$91.21
Fees + prepaids$12,937.46
Your down payment is the seller’s equity. You take over the $417,202 balance, so the rest of the $439,000 price is paid at closing. A second mortgage can cover part of it. $34,735.36 is due at closing. Uses and sources reconcile at $451,937.46 each. Not a Closing Disclosure.