Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$30,523Cash toward the purchase price.
Closing costs + prepaids$15,492Not just lender fees.
Before credits & paid funds$46,015The complete starting cash picture.
Estimated remaining funds due at closing
$46,015No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,522.98
Your down payment$30,522.98
Closing costs + prepaids$15,492.33
Total buyer cash needed$46,015.31
Remaining funds due$46,015.31
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%)$5,145.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,419.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,368.75
Prepaid interest, first (1 days)$90.70
Fees + prepaids$15,492.33
Your down payment is the seller’s equity. You take over the $483,977 balance, so the rest of the $514,500 price is paid at closing. A second mortgage can cover part of it. $46,015.31 is due at closing. Uses and sources reconcile at $529,992.33 each. Not a Closing Disclosure.