Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$41,105Cash toward the purchase price.
Closing costs + prepaids$14,080Not just lender fees.
Before credits & paid funds$55,185The complete starting cash picture.
Estimated remaining funds due at closing
$55,185No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,105.21
Your down payment$41,105.21
Closing costs + prepaids$14,079.79
Total buyer cash needed$55,185.00
Remaining funds due$55,185.00
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%)$5,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,393.97
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$580.00
Initial HOA (3 months)$363.00
Prepaid interest, first (1 days)$75.82
Fees + prepaids$14,079.79
Your down payment is the seller’s equity. You take over the $478,795 balance, so the rest of the $519,900 price is paid at closing. A second mortgage can cover part of it. $55,185.00 is due at closing. Uses and sources reconcile at $533,979.79 each. Not a Closing Disclosure.