Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$33,822Cash toward the purchase price.
Closing costs + prepaids$12,521Not just lender fees.
Before credits & paid funds$46,344The complete starting cash picture.
Estimated remaining funds due at closing
$46,344No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,822.43
Your down payment$33,822.43
Closing costs + prepaids$12,521.15
Total buyer cash needed$46,343.58
Remaining funds due$46,343.58
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,080.89
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$399.75
Initial HOA (3 months)$246.00
Prepaid interest, first (1 days)$76.51
Fees + prepaids$12,521.15
Your down payment is the seller’s equity. You take over the $416,178 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $46,343.58 is due at closing. Uses and sources reconcile at $462,521.15 each. Not a Closing Disclosure.