Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$49,666Cash toward the purchase price.
Closing costs + prepaids$13,261Not just lender fees.
Before credits & paid funds$62,927The complete starting cash picture.
Estimated remaining funds due at closing
$62,927No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,665.54
Your down payment$49,665.54
Closing costs + prepaids$13,261.44
Total buyer cash needed$62,926.97
Remaining funds due$62,926.97
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%)$4,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,126.67
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$655.00
Initial HOA (3 months)$225.99
Prepaid interest, first (1 days)$35.77
Fees + prepaids$13,261.44
Your down payment is the seller’s equity. You take over the $425,334 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $62,926.97 is due at closing. Uses and sources reconcile at $488,261.44 each. Not a Closing Disclosure.