Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$52,306Cash toward the purchase price.
Closing costs + prepaids$9,092Not just lender fees.
Before credits & paid funds$61,397The complete starting cash picture.
Estimated remaining funds due at closing
$61,397No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,305.60
Your down payment$52,305.60
Closing costs + prepaids$9,091.53
Total buyer cash needed$61,397.13
Remaining funds due$61,397.13
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%)$2,070.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$773.47
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$134.75
Initial HOA (3 months)$882.00
Prepaid interest, first (1 days)$13.31
Fees + prepaids$9,091.53
Your down payment is the seller’s equity. You take over the $154,694 balance, so the rest of the $207,000 price is paid at closing. A second mortgage can cover part of it. $61,397.13 is due at closing. Uses and sources reconcile at $216,091.53 each. Not a Closing Disclosure.