Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$74,583Cash toward the purchase price.
Closing costs + prepaids$13,753Not just lender fees.
Before credits & paid funds$88,336The complete starting cash picture.
Estimated remaining funds due at closing
$88,336No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$74,583.22
Your down payment$74,583.22
Closing costs + prepaids$13,752.82
Total buyer cash needed$88,336.04
Remaining funds due$88,336.04
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%)$4,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,126.58
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,022.75
Initial HOA (3 months)$62.49
Prepaid interest, first (1 days)$73.99
Fees + prepaids$13,752.82
Your down payment is the seller’s equity. You take over the $425,317 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $88,336.04 is due at closing. Uses and sources reconcile at $513,652.82 each. Not a Closing Disclosure.