Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$27,054Cash toward the purchase price.
Closing costs + prepaids$12,846Not just lender fees.
Before credits & paid funds$39,901The complete starting cash picture.
Estimated remaining funds due at closing
$39,901No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,054.41
Your down payment$27,054.41
Closing costs + prepaids$12,846.27
Total buyer cash needed$39,900.68
Remaining funds due$39,900.68
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%)$4,599.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,164.72
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$452.00
Prepaid interest, first (2 days)$161.55
Fees + prepaids$12,846.27
Your down payment is the seller’s equity. You take over the $432,945 balance, so the rest of the $459,999 price is paid at closing. A second mortgage can cover part of it. $39,900.68 is due at closing. Uses and sources reconcile at $472,845.27 each. Not a Closing Disclosure.