Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$56,697Cash toward the purchase price.
Closing costs + prepaids$13,452Not just lender fees.
Before credits & paid funds$70,149The complete starting cash picture.
Estimated remaining funds due at closing
$70,149No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,697.43
Your down payment$56,697.43
Closing costs + prepaids$13,451.93
Total buyer cash needed$70,149.36
Remaining funds due$70,149.36
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%)$4,970.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,201.51
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$359.25
Initial HOA (3 months)$375.00
Prepaid interest, first (1 days)$78.17
Fees + prepaids$13,451.93
Your down payment is the seller’s equity. You take over the $440,303 balance, so the rest of the $497,000 price is paid at closing. A second mortgage can cover part of it. $70,149.36 is due at closing. Uses and sources reconcile at $510,451.93 each. Not a Closing Disclosure.