Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$60,701Cash toward the purchase price.
Closing costs + prepaids$13,481Not just lender fees.
Before credits & paid funds$74,183The complete starting cash picture.
Estimated remaining funds due at closing
$74,183No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,701.37
Your down payment$60,701.37
Closing costs + prepaids$13,481.34
Total buyer cash needed$74,182.71
Remaining funds due$74,182.71
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%)$4,959.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,175.99
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$490.75
Initial HOA (3 months)$312.00
Prepaid interest, first (1 days)$75.59
Fees + prepaids$13,481.34
Your down payment is the seller’s equity. You take over the $435,199 balance, so the rest of the $495,900 price is paid at closing. A second mortgage can cover part of it. $74,182.71 is due at closing. Uses and sources reconcile at $509,381.34 each. Not a Closing Disclosure.