Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$26,502Cash toward the purchase price.
Closing costs + prepaids$13,782Not just lender fees.
Before credits & paid funds$40,285The complete starting cash picture.
Estimated remaining funds due at closing
$40,285No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$26,502.28
Your down payment$26,502.28
Closing costs + prepaids$13,782.24
Total buyer cash needed$40,284.51
Remaining funds due$40,284.51
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%)$5,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,542.49
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$34.75
Initial HOA (3 months)$297.00
Prepaid interest, first (1 days)$90.00
Fees + prepaids$13,782.24
Your down payment is the seller’s equity. You take over the $508,498 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $40,284.51 is due at closing. Uses and sources reconcile at $548,782.24 each. Not a Closing Disclosure.