Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$42,899Cash toward the purchase price.
Closing costs + prepaids$13,919Not just lender fees.
Before credits & paid funds$56,819The complete starting cash picture.
Estimated remaining funds due at closing
$56,819No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,899.43
Your down payment$42,899.43
Closing costs + prepaids$13,919.24
Total buyer cash needed$56,818.68
Remaining funds due$56,818.68
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%)$5,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,485.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$374.00
Initial HOA (3 months)$108.00
Prepaid interest, first (1 days)$85.24
Fees + prepaids$13,919.24
Your down payment is the seller’s equity. You take over the $497,001 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $56,818.68 is due at closing. Uses and sources reconcile at $553,819.24 each. Not a Closing Disclosure.