Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$50,924Cash toward the purchase price.
Closing costs + prepaids$12,104Not just lender fees.
Before credits & paid funds$63,028The complete starting cash picture.
Estimated remaining funds due at closing
$63,028No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,923.56
Your down payment$50,923.56
Closing costs + prepaids$12,104.04
Total buyer cash needed$63,027.60
Remaining funds due$63,027.60
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%)$4,340.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,915.38
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$587.00
Prepaid interest, first (1 days)$43.66
Fees + prepaids$12,104.04
Your down payment is the seller’s equity. You take over the $383,076 balance, so the rest of the $434,000 price is paid at closing. A second mortgage can cover part of it. $63,027.60 is due at closing. Uses and sources reconcile at $446,104.04 each. Not a Closing Disclosure.