Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$24,546Cash toward the purchase price.
Closing costs + prepaids$12,726Not just lender fees.
Before credits & paid funds$37,272The complete starting cash picture.
Estimated remaining funds due at closing
$37,272No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,545.99
Your down payment$24,545.99
Closing costs + prepaids$12,725.52
Total buyer cash needed$37,271.52
Remaining funds due$37,271.52
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%)$4,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,152.27
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$387.00
Initial HOA (3 months)$68.01
Prepaid interest, first (2 days)$100.24
Fees + prepaids$12,725.52
Your down payment is the seller’s equity. You take over the $430,454 balance, so the rest of the $455,000 price is paid at closing. A second mortgage can cover part of it. $37,271.52 is due at closing. Uses and sources reconcile at $467,725.52 each. Not a Closing Disclosure.