Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$99Cash toward the purchase price.
Closing costs + prepaids$13,595Not just lender fees.
Before credits & paid funds$13,694The complete starting cash picture.
Estimated remaining funds due at closing
$13,694No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$98.77
Your down payment$98.77
Closing costs + prepaids$13,595.41
Total buyer cash needed$13,694.18
Remaining funds due$13,694.18
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%)$4,990.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,494.51
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$507.25
Initial HOA (3 months)$45.99
Prepaid interest, first (1 days)$89.67
Fees + prepaids$13,595.41
Your down payment is the seller’s equity. You take over the $498,901 balance, so the rest of the $499,000 price is paid at closing. A second mortgage can cover part of it. $13,694.18 is due at closing. Uses and sources reconcile at $512,595.41 each. Not a Closing Disclosure.