Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$106,819Cash toward the purchase price.
Closing costs + prepaids$12,624Not just lender fees.
Before credits & paid funds$119,443The complete starting cash picture.
Estimated remaining funds due at closing
$119,443No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$106,819.30
Your down payment$106,819.30
Closing costs + prepaids$12,623.97
Total buyer cash needed$119,443.27
Remaining funds due$119,443.27
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%)$4,714.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,823.35
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$249.75
Initial HOA (3 months)$333.00
Prepaid interest, first (1 days)$34.97
Fees + prepaids$12,623.97
Your down payment is the seller’s equity. You take over the $364,671 balance, so the rest of the $471,490 price is paid at closing. A second mortgage can cover part of it. $119,443.27 is due at closing. Uses and sources reconcile at $484,113.97 each. Not a Closing Disclosure.