Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$4,370Cash toward the purchase price.
Closing costs + prepaids$13,288Not just lender fees.
Before credits & paid funds$17,658The complete starting cash picture.
Estimated remaining funds due at closing
$17,658No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$4,370.15
Your down payment$4,370.15
Closing costs + prepaids$13,288.28
Total buyer cash needed$17,658.42
Remaining funds due$17,658.42
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%)$4,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,373.15
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$298.25
Initial HOA (3 months)$180.99
Prepaid interest, first (2 days)$177.89
Fees + prepaids$13,288.28
Your down payment is the seller’s equity. You take over the $474,630 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $17,658.42 is due at closing. Uses and sources reconcile at $492,288.28 each. Not a Closing Disclosure.