Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$15,939Cash toward the purchase price.
Closing costs + prepaids$14,238Not just lender fees.
Before credits & paid funds$30,177The complete starting cash picture.
Estimated remaining funds due at closing
$30,177No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$15,939.46
Your down payment$15,939.46
Closing costs + prepaids$14,237.94
Total buyer cash needed$30,177.40
Remaining funds due$30,177.40
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%)$5,219.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,529.80
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$471.00
Initial HOA (3 months)$447.00
Prepaid interest, first (1 days)$103.13
Fees + prepaids$14,237.94
Your down payment is the seller’s equity. You take over the $505,961 balance, so the rest of the $521,900 price is paid at closing. A second mortgage can cover part of it. $30,177.40 is due at closing. Uses and sources reconcile at $536,137.94 each. Not a Closing Disclosure.