Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$6,534Cash toward the purchase price.
Closing costs + prepaids$13,337Not just lender fees.
Before credits & paid funds$19,871The complete starting cash picture.
Estimated remaining funds due at closing
$19,871No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$6,533.65
Your down payment$6,533.65
Closing costs + prepaids$13,337.41
Total buyer cash needed$19,871.06
Remaining funds due$19,871.06
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%)$4,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,467.33
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$307.25
Initial HOA (3 months)$12.51
Prepaid interest, first (1 days)$82.33
Fees + prepaids$13,337.41
Your down payment is the seller’s equity. You take over the $493,465 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $19,871.06 is due at closing. Uses and sources reconcile at $513,336.41 each. Not a Closing Disclosure.