Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$47,611Cash toward the purchase price.
Closing costs + prepaids$13,531Not just lender fees.
Before credits & paid funds$61,142The complete starting cash picture.
Estimated remaining funds due at closing
$61,142No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,611.12
Your down payment$47,611.12
Closing costs + prepaids$13,530.72
Total buyer cash needed$61,141.84
Remaining funds due$61,141.84
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%)$4,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,061.94
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$602.25
Initial HOA (3 months)$720.00
Prepaid interest, first (1 days)$78.52
Fees + prepaids$13,530.72
Your down payment is the seller’s equity. You take over the $412,389 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $61,141.84 is due at closing. Uses and sources reconcile at $473,530.72 each. Not a Closing Disclosure.