Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$42,218Cash toward the purchase price.
Closing costs + prepaids$14,477Not just lender fees.
Before credits & paid funds$56,695The complete starting cash picture.
Estimated remaining funds due at closing
$56,695No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,217.87
Your down payment$42,217.87
Closing costs + prepaids$14,476.97
Total buyer cash needed$56,694.83
Remaining funds due$56,694.83
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%)$5,290.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,433.91
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,138.00
Initial HOA (3 months)$58.50
Prepaid interest, first (1 days)$88.55
Fees + prepaids$14,476.97
Your down payment is the seller’s equity. You take over the $486,782 balance, so the rest of the $529,000 price is paid at closing. A second mortgage can cover part of it. $56,694.83 is due at closing. Uses and sources reconcile at $543,476.97 each. Not a Closing Disclosure.