Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$35,132Cash toward the purchase price.
Closing costs + prepaids$12,455Not just lender fees.
Before credits & paid funds$47,587The complete starting cash picture.
Estimated remaining funds due at closing
$47,587No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,131.93
Your down payment$35,131.93
Closing costs + prepaids$12,454.94
Total buyer cash needed$47,586.88
Remaining funds due$47,586.88
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%)$4,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,073.84
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$447.75
Initial HOA (3 months)$62.49
Prepaid interest, first (2 days)$153.86
Fees + prepaids$12,454.94
Your down payment is the seller’s equity. You take over the $414,768 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $47,586.88 is due at closing. Uses and sources reconcile at $462,354.94 each. Not a Closing Disclosure.