Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$46,873Cash toward the purchase price.
Closing costs + prepaids$15,157Not just lender fees.
Before credits & paid funds$62,030The complete starting cash picture.
Estimated remaining funds due at closing
$62,030No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,872.86
Your down payment$46,872.86
Closing costs + prepaids$15,157.46
Total buyer cash needed$62,030.33
Remaining funds due$62,030.33
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%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,515.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$803.50
Initial HOA (3 months)$750.00
Prepaid interest, first (2 days)$121.83
Fees + prepaids$15,157.46
Your down payment is the seller’s equity. You take over the $503,027 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $62,030.33 is due at closing. Uses and sources reconcile at $565,057.46 each. Not a Closing Disclosure.