Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$33,661Cash toward the purchase price.
Closing costs + prepaids$13,781Not just lender fees.
Before credits & paid funds$47,443The complete starting cash picture.
Estimated remaining funds due at closing
$47,443No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$33,661.47
Your down payment$33,661.47
Closing costs + prepaids$13,781.43
Total buyer cash needed$47,442.90
Remaining funds due$47,442.90
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%)$5,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,481.69
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$181.00
Initial HOA (3 months)$258.00
Prepaid interest, first (1 days)$92.74
Fees + prepaids$13,781.43
Your down payment is the seller’s equity. You take over the $496,339 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $47,442.90 is due at closing. Uses and sources reconcile at $543,781.43 each. Not a Closing Disclosure.