Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$9,648Cash toward the purchase price.
Closing costs + prepaids$14,462Not just lender fees.
Before credits & paid funds$24,110The complete starting cash picture.
Estimated remaining funds due at closing
$24,110No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$9,648.05
Your down payment$9,648.05
Closing costs + prepaids$14,462.22
Total buyer cash needed$24,110.27
Remaining funds due$24,110.27
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%)$5,130.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,516.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$857.00
Initial HOA (3 months)$396.00
Prepaid interest, first (1 days)$94.46
Fees + prepaids$14,462.22
Your down payment is the seller’s equity. You take over the $503,352 balance, so the rest of the $513,000 price is paid at closing. A second mortgage can cover part of it. $24,110.27 is due at closing. Uses and sources reconcile at $527,462.22 each. Not a Closing Disclosure.