Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$23,990Cash toward the purchase price.
Closing costs + prepaids$14,192Not just lender fees.
Before credits & paid funds$38,181The complete starting cash picture.
Estimated remaining funds due at closing
$38,181No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,989.63
Your down payment$23,989.63
Closing costs + prepaids$14,191.67
Total buyer cash needed$38,181.30
Remaining funds due$38,181.30
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%)$5,245.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,502.55
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$503.00
Initial HOA (3 months)$387.00
Prepaid interest, first (1 days)$86.12
Fees + prepaids$14,191.67
Your down payment is the seller’s equity. You take over the $500,510 balance, so the rest of the $524,500 price is paid at closing. A second mortgage can cover part of it. $38,181.30 is due at closing. Uses and sources reconcile at $538,691.67 each. Not a Closing Disclosure.