Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$36,341Cash toward the purchase price.
Closing costs + prepaids$14,080Not just lender fees.
Before credits & paid funds$50,420The complete starting cash picture.
Estimated remaining funds due at closing
$50,420No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,340.69
Your down payment$36,340.69
Closing costs + prepaids$14,079.62
Total buyer cash needed$50,420.31
Remaining funds due$50,420.31
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%)$5,499.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,568.25
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$200.00
Initial HOA (3 months)$252.00
Prepaid interest, first (1 days)$91.47
Fees + prepaids$14,079.62
Your down payment is the seller’s equity. You take over the $513,649 balance, so the rest of the $549,990 price is paid at closing. A second mortgage can cover part of it. $50,420.31 is due at closing. Uses and sources reconcile at $564,069.62 each. Not a Closing Disclosure.