Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$47,707Cash toward the purchase price.
Closing costs + prepaids$14,014Not just lender fees.
Before credits & paid funds$61,721The complete starting cash picture.
Estimated remaining funds due at closing
$61,721No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,706.97
Your down payment$47,706.97
Closing costs + prepaids$14,013.67
Total buyer cash needed$61,720.63
Remaining funds due$61,720.63
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%)$5,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,386.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$537.25
Initial HOA (3 months)$288.00
Prepaid interest, first (1 days)$83.95
Fees + prepaids$14,013.67
Your down payment is the seller’s equity. You take over the $477,293 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $61,720.63 is due at closing. Uses and sources reconcile at $539,013.67 each. Not a Closing Disclosure.