Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$50,462Cash toward the purchase price.
Closing costs + prepaids$12,720Not just lender fees.
Before credits & paid funds$63,182The complete starting cash picture.
Estimated remaining funds due at closing
$63,182No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,461.83
Your down payment$50,461.83
Closing costs + prepaids$12,719.89
Total buyer cash needed$63,181.71
Remaining funds due$63,181.71
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%)$4,249.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,872.69
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,062.50
Initial HOA (3 months)$171.00
Prepaid interest, first (2 days)$145.71
Fees + prepaids$12,719.89
Your down payment is the seller’s equity. You take over the $374,537 balance, so the rest of the $424,999 price is paid at closing. A second mortgage can cover part of it. $63,181.71 is due at closing. Uses and sources reconcile at $437,718.89 each. Not a Closing Disclosure.