Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$48,519Cash toward the purchase price.
Closing costs + prepaids$14,106Not just lender fees.
Before credits & paid funds$62,625The complete starting cash picture.
Estimated remaining funds due at closing
$62,625No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,518.82
Your down payment$48,518.82
Closing costs + prepaids$14,105.81
Total buyer cash needed$62,624.63
Remaining funds due$62,624.63
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%)$5,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,257.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$910.00
Initial HOA (3 months)$390.00
Prepaid interest, first (1 days)$80.40
Fees + prepaids$14,105.81
Your down payment is the seller’s equity. You take over the $451,481 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $62,624.63 is due at closing. Uses and sources reconcile at $514,105.81 each. Not a Closing Disclosure.