Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$14,396Cash toward the purchase price.
Closing costs + prepaids$12,387Not just lender fees.
Before credits & paid funds$26,783The complete starting cash picture.
Estimated remaining funds due at closing
$26,783No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$14,395.87
Your down payment$14,395.87
Closing costs + prepaids$12,387.08
Total buyer cash needed$26,782.95
Remaining funds due$26,782.95
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%)$4,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,177.52
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$301.00
Initial HOA (3 months)$114.00
Prepaid interest, first (1 days)$77.56
Fees + prepaids$12,387.08
Your down payment is the seller’s equity. You take over the $435,504 balance, so the rest of the $449,900 price is paid at closing. A second mortgage can cover part of it. $26,782.95 is due at closing. Uses and sources reconcile at $462,287.08 each. Not a Closing Disclosure.