Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$53,266Cash toward the purchase price.
Closing costs + prepaids$11,681Not just lender fees.
Before credits & paid funds$64,947The complete starting cash picture.
Estimated remaining funds due at closing
$64,947No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,265.98
Your down payment$53,265.98
Closing costs + prepaids$11,681.43
Total buyer cash needed$64,947.41
Remaining funds due$64,947.41
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%)$4,234.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,851.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$347.25
Prepaid interest, first (1 days)$30.02
Fees + prepaids$11,681.43
Your down payment is the seller’s equity. You take over the $370,233 balance, so the rest of the $423,499 price is paid at closing. A second mortgage can cover part of it. $64,947.41 is due at closing. Uses and sources reconcile at $435,180.43 each. Not a Closing Disclosure.