Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$57,866Cash toward the purchase price.
Closing costs + prepaids$13,376Not just lender fees.
Before credits & paid funds$71,242The complete starting cash picture.
Estimated remaining funds due at closing
$71,242No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,866.13
Your down payment$57,866.13
Closing costs + prepaids$13,376.11
Total buyer cash needed$71,242.23
Remaining funds due$71,242.23
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%)$2,185.67
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$506.25
Initial HOA (3 months)$204.75
Prepaid interest, first (1 days)$61.44
Fees + prepaids$13,376.11
Your down payment is the seller’s equity. You take over the $437,134 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $71,242.23 is due at closing. Uses and sources reconcile at $508,376.11 each. Not a Closing Disclosure.