Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$34,543Cash toward the purchase price.
Closing costs + prepaids$13,190Not just lender fees.
Before credits & paid funds$47,733The complete starting cash picture.
Estimated remaining funds due at closing
$47,733No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$34,542.87
Your down payment$34,542.87
Closing costs + prepaids$13,190.02
Total buyer cash needed$47,732.89
Remaining funds due$47,732.89
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%)$4,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,226.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$324.50
Initial HOA (3 months)$228.00
Prepaid interest, first (2 days)$143.73
Fees + prepaids$13,190.02
Your down payment is the seller’s equity. You take over the $445,357 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $47,732.89 is due at closing. Uses and sources reconcile at $493,090.02 each. Not a Closing Disclosure.