Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$64,851Cash toward the purchase price.
Closing costs + prepaids$13,649Not just lender fees.
Before credits & paid funds$78,500The complete starting cash picture.
Estimated remaining funds due at closing
$78,500No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,851.31
Your down payment$64,851.31
Closing costs + prepaids$13,648.62
Total buyer cash needed$78,499.93
Remaining funds due$78,499.93
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%)$4,880.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,115.74
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$711.50
Initial HOA (3 months)$395.01
Prepaid interest, first (1 days)$78.37
Fees + prepaids$13,648.62
Your down payment is the seller’s equity. You take over the $423,149 balance, so the rest of the $488,000 price is paid at closing. A second mortgage can cover part of it. $78,499.93 is due at closing. Uses and sources reconcile at $501,648.62 each. Not a Closing Disclosure.