Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$43,675Cash toward the purchase price.
Closing costs + prepaids$13,862Not just lender fees.
Before credits & paid funds$57,537The complete starting cash picture.
Estimated remaining funds due at closing
$57,537No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,675.44
Your down payment$43,675.44
Closing costs + prepaids$13,862.06
Total buyer cash needed$57,537.50
Remaining funds due$57,537.50
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%)$5,050.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,306.62
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$635.00
Initial HOA (3 months)$306.00
Prepaid interest, first (1 days)$96.44
Fees + prepaids$13,862.06
Your down payment is the seller’s equity. You take over the $461,325 balance, so the rest of the $505,000 price is paid at closing. A second mortgage can cover part of it. $57,537.50 is due at closing. Uses and sources reconcile at $518,862.06 each. Not a Closing Disclosure.