Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$49,961Cash toward the purchase price.
Closing costs + prepaids$12,430Not just lender fees.
Before credits & paid funds$62,391The complete starting cash picture.
Estimated remaining funds due at closing
$62,391No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,961.08
Your down payment$49,961.08
Closing costs + prepaids$12,430.31
Total buyer cash needed$62,391.38
Remaining funds due$62,391.38
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%)$4,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,000.19
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$550.25
Initial HOA (3 months)$11.49
Prepaid interest, first (2 days)$150.37
Fees + prepaids$12,430.31
Your down payment is the seller’s equity. You take over the $400,039 balance, so the rest of the $450,000 price is paid at closing. A second mortgage can cover part of it. $62,391.38 is due at closing. Uses and sources reconcile at $462,430.31 each. Not a Closing Disclosure.