Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$28,975Cash toward the purchase price.
Closing costs + prepaids$14,151Not just lender fees.
Before credits & paid funds$43,126The complete starting cash picture.
Estimated remaining funds due at closing
$43,126No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,974.98
Your down payment$28,974.98
Closing costs + prepaids$14,150.56
Total buyer cash needed$43,125.54
Remaining funds due$43,125.54
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%)$5,340.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,525.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$474.50
Initial HOA (3 months)$165.00
Prepaid interest, first (2 days)$177.93
Fees + prepaids$14,150.56
Your down payment is the seller’s equity. You take over the $505,025 balance, so the rest of the $534,000 price is paid at closing. A second mortgage can cover part of it. $43,125.54 is due at closing. Uses and sources reconcile at $548,150.56 each. Not a Closing Disclosure.