Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$63,925Cash toward the purchase price.
Closing costs + prepaids$13,379Not just lender fees.
Before credits & paid funds$77,304The complete starting cash picture.
Estimated remaining funds due at closing
$77,304No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,925.00
Your down payment$63,925.00
Closing costs + prepaids$13,378.95
Total buyer cash needed$77,303.95
Remaining funds due$77,303.95
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%)$4,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,179.88
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$487.25
Initial HOA (3 months)$206.01
Prepaid interest, first (1 days)$38.82
Fees + prepaids$13,378.95
Your down payment is the seller’s equity. You take over the $435,975 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $77,303.95 is due at closing. Uses and sources reconcile at $513,278.95 each. Not a Closing Disclosure.