Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$21,165Cash toward the purchase price.
Closing costs + prepaids$13,444Not just lender fees.
Before credits & paid funds$34,609The complete starting cash picture.
Estimated remaining funds due at closing
$34,609No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$21,164.61
Your down payment$21,164.61
Closing costs + prepaids$13,443.95
Total buyer cash needed$34,608.56
Remaining funds due$34,608.56
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%)$2,289.18
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$575.25
Initial HOA (3 months)$243.00
Prepaid interest, first (1 days)$78.52
Fees + prepaids$13,443.95
Your down payment is the seller’s equity. You take over the $457,835 balance, so the rest of the $479,000 price is paid at closing. A second mortgage can cover part of it. $34,608.56 is due at closing. Uses and sources reconcile at $492,443.95 each. Not a Closing Disclosure.