Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$49,663Cash toward the purchase price.
Closing costs + prepaids$13,674Not just lender fees.
Before credits & paid funds$63,337The complete starting cash picture.
Estimated remaining funds due at closing
$63,337No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,662.58
Your down payment$49,662.58
Closing costs + prepaids$13,674.12
Total buyer cash needed$63,336.70
Remaining funds due$63,336.70
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%)$4,525.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,014.19
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,599.50
Prepaid interest, first (1 days)$67.43
Fees + prepaids$13,674.12
Your down payment is the seller’s equity. You take over the $402,837 balance, so the rest of the $452,500 price is paid at closing. A second mortgage can cover part of it. $63,336.70 is due at closing. Uses and sources reconcile at $466,174.12 each. Not a Closing Disclosure.