Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$46,483Cash toward the purchase price.
Closing costs + prepaids$13,295Not just lender fees.
Before credits & paid funds$59,779The complete starting cash picture.
Estimated remaining funds due at closing
$59,779No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,483.24
Your down payment$46,483.24
Closing costs + prepaids$13,295.36
Total buyer cash needed$59,778.59
Remaining funds due$59,778.59
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%)$5,080.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,307.58
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$299.25
Initial HOA (3 months)$51.00
Prepaid interest, first (1 days)$89.52
Fees + prepaids$13,295.36
Your down payment is the seller’s equity. You take over the $461,517 balance, so the rest of the $508,000 price is paid at closing. A second mortgage can cover part of it. $59,778.59 is due at closing. Uses and sources reconcile at $521,295.36 each. Not a Closing Disclosure.