Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$15,489Cash toward the purchase price.
Closing costs + prepaids$13,483Not just lender fees.
Before credits & paid funds$28,972The complete starting cash picture.
Estimated remaining funds due at closing
$28,972No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,488.72
Your down payment$15,488.72
Closing costs + prepaids$13,483.39
Total buyer cash needed$28,972.11
Remaining funds due$28,972.11
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%)$4,625.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,235.06
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$654.75
Initial HOA (3 months)$426.00
Prepaid interest, first (1 days)$74.58
Fees + prepaids$13,483.39
Your down payment is the seller’s equity. You take over the $447,011 balance, so the rest of the $462,500 price is paid at closing. A second mortgage can cover part of it. $28,972.11 is due at closing. Uses and sources reconcile at $475,983.39 each. Not a Closing Disclosure.