Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$54,835Cash toward the purchase price.
Closing costs + prepaids$13,911Not just lender fees.
Before credits & paid funds$68,746The complete starting cash picture.
Estimated remaining funds due at closing
$68,746No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,835.40
Your down payment$54,835.40
Closing costs + prepaids$13,911.00
Total buyer cash needed$68,746.40
Remaining funds due$68,746.40
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%)$5,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,225.82
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$705.25
Initial HOA (3 months)$474.00
Prepaid interest, first (1 days)$37.93
Fees + prepaids$13,911.00
Your down payment is the seller’s equity. You take over the $445,165 balance, so the rest of the $500,000 price is paid at closing. A second mortgage can cover part of it. $68,746.40 is due at closing. Uses and sources reconcile at $513,911.00 each. Not a Closing Disclosure.