Follow the dollars · Assumption only
A complete cash picture for Dec 28, 2026
Your down payment$27,729Cash toward the purchase price.
Closing costs + prepaids$13,875Not just lender fees.
Before credits & paid funds$41,604The complete starting cash picture.
Estimated remaining funds due at closing
$41,604No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,729.24
Your down payment$27,729.24
Closing costs + prepaids$13,875.26
Total buyer cash needed$41,604.50
Remaining funds due$41,604.50
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%)$4,599.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,161.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,173.00
Initial HOA (3 months)$174.00
Prepaid interest, first (4 days)$298.92
Fees + prepaids$13,875.26
Your down payment is the seller’s equity. You take over the $432,270 balance, so the rest of the $459,999 price is paid at closing. A second mortgage can cover part of it. $41,604.50 is due at closing. Uses and sources reconcile at $473,874.26 each. Not a Closing Disclosure.