Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$37,428Cash toward the purchase price.
Closing costs + prepaids$13,408Not just lender fees.
Before credits & paid funds$50,836The complete starting cash picture.
Estimated remaining funds due at closing
$50,836No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$37,428.04
Your down payment$37,428.04
Closing costs + prepaids$13,408.01
Total buyer cash needed$50,836.05
Remaining funds due$50,836.05
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%)$4,999.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,312.85
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$541.75
Prepaid interest, first (1 days)$85.42
Fees + prepaids$13,408.01
Your down payment is the seller’s equity. You take over the $462,571 balance, so the rest of the $499,999 price is paid at closing. A second mortgage can cover part of it. $50,836.05 is due at closing. Uses and sources reconcile at $513,407.01 each. Not a Closing Disclosure.