Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$33,887Cash toward the purchase price.
Closing costs + prepaids$13,048Not just lender fees.
Before credits & paid funds$46,935The complete starting cash picture.
Estimated remaining funds due at closing
$46,935No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,886.58
Your down payment$33,886.58
Closing costs + prepaids$13,048.12
Total buyer cash needed$46,934.70
Remaining funds due$46,934.70
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%)$4,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,105.57
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$627.50
Initial HOA (3 months)$141.99
Prepaid interest, first (2 days)$155.06
Fees + prepaids$13,048.12
Your down payment is the seller’s equity. You take over the $421,113 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $46,934.70 is due at closing. Uses and sources reconcile at $468,048.12 each. Not a Closing Disclosure.