Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$15,595Cash toward the purchase price.
Closing costs + prepaids$12,998Not just lender fees.
Before credits & paid funds$28,592The complete starting cash picture.
Estimated remaining funds due at closing
$28,592No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,594.89
Your down payment$15,594.89
Closing costs + prepaids$12,997.61
Total buyer cash needed$28,592.49
Remaining funds due$28,592.49
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%)$4,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,097.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,028.75
Initial HOA (3 months)$171.00
Prepaid interest, first (2 days)$132.83
Fees + prepaids$12,997.61
Your down payment is the seller’s equity. You take over the $419,405 balance, so the rest of the $435,000 price is paid at closing. A second mortgage can cover part of it. $28,592.49 is due at closing. Uses and sources reconcile at $447,997.61 each. Not a Closing Disclosure.