Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$19,735Cash toward the purchase price.
Closing costs + prepaids$14,912Not just lender fees.
Before credits & paid funds$34,647The complete starting cash picture.
Estimated remaining funds due at closing
$34,647No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$19,734.83
Your down payment$19,734.83
Closing costs + prepaids$14,912.19
Total buyer cash needed$34,647.02
Remaining funds due$34,647.02
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%)$4,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,276.33
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,187.50
Initial HOA (3 months)$1,050.00
Prepaid interest, first (2 days)$180.36
Fees + prepaids$14,912.19
Your down payment is the seller’s equity. You take over the $455,265 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $34,647.02 is due at closing. Uses and sources reconcile at $489,912.19 each. Not a Closing Disclosure.