Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$53,687Cash toward the purchase price.
Closing costs + prepaids$13,237Not just lender fees.
Before credits & paid funds$66,924The complete starting cash picture.
Estimated remaining funds due at closing
$66,924No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,687.20
Your down payment$53,687.20
Closing costs + prepaids$13,237.10
Total buyer cash needed$66,924.30
Remaining funds due$66,924.30
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%)$4,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,206.56
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$365.75
Initial HOA (3 months)$170.01
Prepaid interest, first (1 days)$76.78
Fees + prepaids$13,237.10
Your down payment is the seller’s equity. You take over the $441,313 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $66,924.30 is due at closing. Uses and sources reconcile at $508,237.10 each. Not a Closing Disclosure.