Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$28,097Cash toward the purchase price.
Closing costs + prepaids$13,674Not just lender fees.
Before credits & paid funds$41,771The complete starting cash picture.
Estimated remaining funds due at closing
$41,771No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,096.87
Your down payment$28,096.87
Closing costs + prepaids$13,674.35
Total buyer cash needed$41,771.23
Remaining funds due$41,771.23
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%)$4,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,334.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$558.25
Initial HOA (3 months)$294.00
Prepaid interest, first (1 days)$69.59
Fees + prepaids$13,674.35
Your down payment is the seller’s equity. You take over the $466,903 balance, so the rest of the $495,000 price is paid at closing. A second mortgage can cover part of it. $41,771.23 is due at closing. Uses and sources reconcile at $508,674.35 each. Not a Closing Disclosure.