Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$59,996Cash toward the purchase price.
Closing costs + prepaids$13,428Not just lender fees.
Before credits & paid funds$73,424The complete starting cash picture.
Estimated remaining funds due at closing
$73,424No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$59,996.12
Your down payment$59,996.12
Closing costs + prepaids$13,427.65
Total buyer cash needed$73,423.77
Remaining funds due$73,423.77
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%)$4,478.30
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,939.17
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$643.75
Initial HOA (3 months)$1,019.01
Prepaid interest, first (2 days)$129.42
Fees + prepaids$13,427.65
Your down payment is the seller’s equity. You take over the $387,834 balance, so the rest of the $447,830 price is paid at closing. A second mortgage can cover part of it. $73,423.77 is due at closing. Uses and sources reconcile at $461,257.65 each. Not a Closing Disclosure.