Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$32,358Cash toward the purchase price.
Closing costs + prepaids$13,102Not just lender fees.
Before credits & paid funds$45,459The complete starting cash picture.
Estimated remaining funds due at closing
$45,459No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,357.75
Your down payment$32,357.75
Closing costs + prepaids$13,101.71
Total buyer cash needed$45,459.46
Remaining funds due$45,459.46
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%)$4,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,288.21
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$282.50
Prepaid interest, first (2 days)$163.00
Fees + prepaids$13,101.71
Your down payment is the seller’s equity. You take over the $457,642 balance, so the rest of the $490,000 price is paid at closing. A second mortgage can cover part of it. $45,459.46 is due at closing. Uses and sources reconcile at $503,101.71 each. Not a Closing Disclosure.