Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$30,467Cash toward the purchase price.
Closing costs + prepaids$12,975Not just lender fees.
Before credits & paid funds$43,443The complete starting cash picture.
Estimated remaining funds due at closing
$43,443No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,467.29
Your down payment$30,467.29
Closing costs + prepaids$12,975.34
Total buyer cash needed$43,442.63
Remaining funds due$43,442.63
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%)$4,720.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,207.66
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$324.75
Initial HOA (3 months)$170.01
Prepaid interest, first (1 days)$84.92
Fees + prepaids$12,975.34
Your down payment is the seller’s equity. You take over the $441,533 balance, so the rest of the $472,000 price is paid at closing. A second mortgage can cover part of it. $43,442.63 is due at closing. Uses and sources reconcile at $484,975.34 each. Not a Closing Disclosure.