Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$41,538Cash toward the purchase price.
Closing costs + prepaids$13,620Not just lender fees.
Before credits & paid funds$55,158The complete starting cash picture.
Estimated remaining funds due at closing
$55,158No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,538.31
Your down payment$41,538.31
Closing costs + prepaids$13,619.70
Total buyer cash needed$55,158.01
Remaining funds due$55,158.01
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%)$5,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,341.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$473.75
Initial HOA (3 months)$198.00
Prepaid interest, first (1 days)$39.14
Fees + prepaids$13,619.70
Your down payment is the seller’s equity. You take over the $468,362 balance, so the rest of the $509,900 price is paid at closing. A second mortgage can cover part of it. $55,158.01 is due at closing. Uses and sources reconcile at $523,519.70 each. Not a Closing Disclosure.