Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$30,464Cash toward the purchase price.
Closing costs + prepaids$14,656Not just lender fees.
Before credits & paid funds$45,121The complete starting cash picture.
Estimated remaining funds due at closing
$45,121No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,464.35
Your down payment$30,464.35
Closing costs + prepaids$14,656.30
Total buyer cash needed$45,120.66
Remaining funds due$45,120.66
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%)$5,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,547.68
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,155.75
Prepaid interest, first (1 days)$84.88
Fees + prepaids$14,656.30
Your down payment is the seller’s equity. You take over the $509,536 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $45,120.66 is due at closing. Uses and sources reconcile at $554,656.30 each. Not a Closing Disclosure.