Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$50,867Cash toward the purchase price.
Closing costs + prepaids$8,620Not just lender fees.
Before credits & paid funds$59,487The complete starting cash picture.
Estimated remaining funds due at closing
$59,487No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,867.05
Your down payment$50,867.05
Closing costs + prepaids$8,620.30
Total buyer cash needed$59,487.35
Remaining funds due$59,487.35
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%)$2,370.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$930.66
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$78.25
Initial HOA (3 months)$9.51
Prepaid interest, first (1 days)$13.87
Fees + prepaids$8,620.30
Your down payment is the seller’s equity. You take over the $186,133 balance, so the rest of the $237,000 price is paid at closing. A second mortgage can cover part of it. $59,487.35 is due at closing. Uses and sources reconcile at $245,620.30 each. Not a Closing Disclosure.