Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$39,347Cash toward the purchase price.
Closing costs + prepaids$12,887Not just lender fees.
Before credits & paid funds$52,234The complete starting cash picture.
Estimated remaining funds due at closing
$52,234No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$39,346.96
Your down payment$39,346.96
Closing costs + prepaids$12,887.01
Total buyer cash needed$52,233.97
Remaining funds due$52,233.97
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,053.27
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$558.00
Initial HOA (3 months)$489.00
Prepaid interest, first (1 days)$68.74
Fees + prepaids$12,887.01
Your down payment is the seller’s equity. You take over the $410,653 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $52,233.97 is due at closing. Uses and sources reconcile at $462,887.01 each. Not a Closing Disclosure.