Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$49,645Cash toward the purchase price.
Closing costs + prepaids$13,800Not just lender fees.
Before credits & paid funds$63,445The complete starting cash picture.
Estimated remaining funds due at closing
$63,445No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,645.16
Your down payment$49,645.16
Closing costs + prepaids$13,799.86
Total buyer cash needed$63,445.02
Remaining funds due$63,445.02
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%)$4,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,151.27
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$805.25
Initial HOA (3 months)$495.00
Prepaid interest, first (1 days)$81.34
Fees + prepaids$13,799.86
Your down payment is the seller’s equity. You take over the $430,255 balance, so the rest of the $479,900 price is paid at closing. A second mortgage can cover part of it. $63,445.02 is due at closing. Uses and sources reconcile at $493,699.86 each. Not a Closing Disclosure.