Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$33,352Cash toward the purchase price.
Closing costs + prepaids$20,404Not just lender fees.
Before credits & paid funds$53,756The complete starting cash picture.
Estimated remaining funds due at closing
$53,756No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,352.01
Your down payment$33,352.01
Closing costs + prepaids$20,403.83
Total buyer cash needed$53,755.85
Remaining funds due$53,755.85
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%)$9,000.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,333.24
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$468.25
Initial HOA (3 months)$230.01
Prepaid interest, first (1 days)$154.33
Fees + prepaids$20,403.83
Your down payment is the seller’s equity. You take over the $866,648 balance, so the rest of the $900,000 price is paid at closing. A second mortgage can cover part of it. $53,755.85 is due at closing. Uses and sources reconcile at $920,403.83 each. Not a Closing Disclosure.