Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$36,091Cash toward the purchase price.
Closing costs + prepaids$13,274Not just lender fees.
Before credits & paid funds$49,365The complete starting cash picture.
Estimated remaining funds due at closing
$49,365No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,091.31
Your down payment$36,091.31
Closing costs + prepaids$13,273.73
Total buyer cash needed$49,365.04
Remaining funds due$49,365.04
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%)$4,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,314.54
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$22.75
Initial HOA (3 months)$396.00
Prepaid interest, first (1 days)$82.44
Fees + prepaids$13,273.73
Your down payment is the seller’s equity. You take over the $462,909 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $49,365.04 is due at closing. Uses and sources reconcile at $512,273.73 each. Not a Closing Disclosure.