Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$58,533Cash toward the purchase price.
Closing costs + prepaids$12,843Not just lender fees.
Before credits & paid funds$71,377The complete starting cash picture.
Estimated remaining funds due at closing
$71,377No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,533.20
Your down payment$58,533.20
Closing costs + prepaids$12,843.48
Total buyer cash needed$71,376.68
Remaining funds due$71,376.68
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%)$4,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,032.33
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$614.75
Prepaid interest, first (1 days)$78.40
Fees + prepaids$12,843.48
Your down payment is the seller’s equity. You take over the $406,467 balance, so the rest of the $465,000 price is paid at closing. A second mortgage can cover part of it. $71,376.68 is due at closing. Uses and sources reconcile at $477,843.48 each. Not a Closing Disclosure.