Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$32,173Cash toward the purchase price.
Closing costs + prepaids$13,777Not just lender fees.
Before credits & paid funds$45,950The complete starting cash picture.
Estimated remaining funds due at closing
$45,950No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,172.51
Your down payment$32,172.51
Closing costs + prepaids$13,777.49
Total buyer cash needed$45,950.00
Remaining funds due$45,950.00
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,164.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,119.75
Initial HOA (3 months)$225.00
Prepaid interest, first (2 days)$150.60
Fees + prepaids$13,777.49
Your down payment is the seller’s equity. You take over the $432,827 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $45,950.00 is due at closing. Uses and sources reconcile at $478,777.49 each. Not a Closing Disclosure.