Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$17,593Cash toward the purchase price.
Closing costs + prepaids$14,874Not just lender fees.
Before credits & paid funds$32,467The complete starting cash picture.
Estimated remaining funds due at closing
$32,467No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$17,593.17
Your down payment$17,593.17
Closing costs + prepaids$14,874.12
Total buyer cash needed$32,467.29
Remaining funds due$32,467.29
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%)$2,287.03
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)$131.58
Fees + prepaids$14,874.12
Your down payment is the seller’s equity. You take over the $457,407 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $32,467.29 is due at closing. Uses and sources reconcile at $489,874.12 each. Not a Closing Disclosure.