Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$11,487Cash toward the purchase price.
Closing costs + prepaids$13,080Not just lender fees.
Before credits & paid funds$24,567The complete starting cash picture.
Estimated remaining funds due at closing
$24,567No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$11,487.09
Your down payment$11,487.09
Closing costs + prepaids$13,079.78
Total buyer cash needed$24,566.87
Remaining funds due$24,566.87
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%)$4,674.51
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,279.82
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$330.25
Initial HOA (3 months)$246.00
Prepaid interest, first (1 days)$81.20
Fees + prepaids$13,079.78
Your down payment is the seller’s equity. You take over the $455,964 balance, so the rest of the $467,451 price is paid at closing. A second mortgage can cover part of it. $24,566.87 is due at closing. Uses and sources reconcile at $480,530.78 each. Not a Closing Disclosure.