Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$25,411Cash toward the purchase price.
Closing costs + prepaids$12,984Not just lender fees.
Before credits & paid funds$38,395The complete starting cash picture.
Estimated remaining funds due at closing
$38,395No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,410.80
Your down payment$25,410.80
Closing costs + prepaids$12,983.71
Total buyer cash needed$38,394.51
Remaining funds due$38,394.51
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%)$4,595.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,170.45
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$399.50
Initial HOA (3 months)$275.01
Prepaid interest, first (1 days)$75.76
Fees + prepaids$12,983.71
Your down payment is the seller’s equity. You take over the $434,089 balance, so the rest of the $459,500 price is paid at closing. A second mortgage can cover part of it. $38,394.51 is due at closing. Uses and sources reconcile at $472,483.71 each. Not a Closing Disclosure.