Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$29,546Cash toward the purchase price.
Closing costs + prepaids$12,071Not just lender fees.
Before credits & paid funds$41,617The complete starting cash picture.
Estimated remaining funds due at closing
$41,617No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,545.95
Your down payment$29,545.95
Closing costs + prepaids$12,071.19
Total buyer cash needed$41,617.14
Remaining funds due$41,617.14
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%)$4,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,097.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$202.25
Prepaid interest, first (1 days)$63.67
Fees + prepaids$12,071.19
Your down payment is the seller’s equity. You take over the $419,454 balance, so the rest of the $449,000 price is paid at closing. A second mortgage can cover part of it. $41,617.14 is due at closing. Uses and sources reconcile at $461,071.19 each. Not a Closing Disclosure.