Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$28,216Cash toward the purchase price.
Closing costs + prepaids$16,474Not just lender fees.
Before credits & paid funds$44,691The complete starting cash picture.
Estimated remaining funds due at closing
$44,691No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,216.40
Your down payment$28,216.40
Closing costs + prepaids$16,474.22
Total buyer cash needed$44,690.62
Remaining funds due$44,690.62
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%)$6,295.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,006.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$820.50
Initial HOA (3 months)$768.00
Prepaid interest, first (1 days)$116.30
Fees + prepaids$16,474.22
Your down payment is the seller’s equity. You take over the $601,284 balance, so the rest of the $629,500 price is paid at closing. A second mortgage can cover part of it. $44,690.62 is due at closing. Uses and sources reconcile at $645,974.22 each. Not a Closing Disclosure.