Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$13,823Cash toward the purchase price.
Closing costs + prepaids$13,908Not just lender fees.
Before credits & paid funds$27,732The complete starting cash picture.
Estimated remaining funds due at closing
$27,732No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$13,823.45
Your down payment$13,823.45
Closing costs + prepaids$13,908.38
Total buyer cash needed$27,731.83
Remaining funds due$27,731.83
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%)$5,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,525.88
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$395.00
Initial HOA (3 months)$234.00
Prepaid interest, first (1 days)$95.50
Fees + prepaids$13,908.38
Your down payment is the seller’s equity. You take over the $505,177 balance, so the rest of the $519,000 price is paid at closing. A second mortgage can cover part of it. $27,731.83 is due at closing. Uses and sources reconcile at $532,908.38 each. Not a Closing Disclosure.