Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$25,762Cash toward the purchase price.
Closing costs + prepaids$23,690Not just lender fees.
Before credits & paid funds$49,451The complete starting cash picture.
Estimated remaining funds due at closing
$49,451No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,761.72
Your down payment$25,761.72
Closing costs + prepaids$23,689.67
Total buyer cash needed$49,451.38
Remaining funds due$49,451.38
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%)$10,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$5,366.19
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$941.00
Initial HOA (3 months)$27.75
Prepaid interest, first (1 days)$146.72
Fees + prepaids$23,689.67
Your down payment is the seller’s equity. You take over the $1,073,238 balance, so the rest of the $1,099,000 price is paid at closing. A second mortgage can cover part of it. $49,451.38 is due at closing. Uses and sources reconcile at $1,122,689.67 each. Not a Closing Disclosure.