Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$55,994Cash toward the purchase price.
Closing costs + prepaids$12,558Not just lender fees.
Before credits & paid funds$68,552The complete starting cash picture.
Estimated remaining funds due at closing
$68,552No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,993.60
Your down payment$55,993.60
Closing costs + prepaids$12,558.02
Total buyer cash needed$68,551.62
Remaining funds due$68,551.62
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,970.03
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$774.25
Initial HOA (3 months)$58.50
Prepaid interest, first (1 days)$37.24
Fees + prepaids$12,558.02
Your down payment is the seller’s equity. You take over the $394,006 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $68,551.62 is due at closing. Uses and sources reconcile at $462,558.02 each. Not a Closing Disclosure.