Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$32,552Cash toward the purchase price.
Closing costs + prepaids$13,904Not just lender fees.
Before credits & paid funds$46,455The complete starting cash picture.
Estimated remaining funds due at closing
$46,455No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,551.71
Your down payment$32,551.71
Closing costs + prepaids$13,903.51
Total buyer cash needed$46,455.21
Remaining funds due$46,455.21
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%)$4,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,132.24
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,147.50
Initial HOA (3 months)$405.00
Prepaid interest, first (2 days)$160.77
Fees + prepaids$13,903.51
Your down payment is the seller’s equity. You take over the $426,448 balance, so the rest of the $459,000 price is paid at closing. A second mortgage can cover part of it. $46,455.21 is due at closing. Uses and sources reconcile at $472,903.51 each. Not a Closing Disclosure.