Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$53,689Cash toward the purchase price.
Closing costs + prepaids$12,144Not just lender fees.
Before credits & paid funds$65,833The complete starting cash picture.
Estimated remaining funds due at closing
$65,833No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,689.38
Your down payment$53,689.38
Closing costs + prepaids$12,143.89
Total buyer cash needed$65,833.27
Remaining funds due$65,833.27
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%)$4,164.24
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,813.67
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$451.75
Initial HOA (3 months)$468.00
Prepaid interest, first (1 days)$28.22
Fees + prepaids$12,143.89
Your down payment is the seller’s equity. You take over the $362,735 balance, so the rest of the $416,424 price is paid at closing. A second mortgage can cover part of it. $65,833.27 is due at closing. Uses and sources reconcile at $428,567.89 each. Not a Closing Disclosure.