Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$49,737Cash toward the purchase price.
Closing costs + prepaids$12,684Not just lender fees.
Before credits & paid funds$62,421The complete starting cash picture.
Estimated remaining funds due at closing
$62,421No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$49,736.86
Your down payment$49,736.86
Closing costs + prepaids$12,684.15
Total buyer cash needed$62,421.01
Remaining funds due$62,421.01
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%)$4,449.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,975.82
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$868.50
Initial HOA (3 months)$99.00
Prepaid interest, first (1 days)$73.84
Fees + prepaids$12,684.15
Your down payment is the seller’s equity. You take over the $395,163 balance, so the rest of the $444,900 price is paid at closing. A second mortgage can cover part of it. $62,421.01 is due at closing. Uses and sources reconcile at $457,584.15 each. Not a Closing Disclosure.