Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$33,949Cash toward the purchase price.
Closing costs + prepaids$13,520Not just lender fees.
Before credits & paid funds$47,469The complete starting cash picture.
Estimated remaining funds due at closing
$47,469No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,949.05
Your down payment$33,949.05
Closing costs + prepaids$13,519.72
Total buyer cash needed$47,468.78
Remaining funds due$47,468.78
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%)$4,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,130.25
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,051.00
Initial HOA (3 months)$114.99
Prepaid interest, first (2 days)$155.48
Fees + prepaids$13,519.72
Your down payment is the seller’s equity. You take over the $426,051 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $47,468.78 is due at closing. Uses and sources reconcile at $473,519.72 each. Not a Closing Disclosure.