Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$52,884Cash toward the purchase price.
Closing costs + prepaids$12,069Not just lender fees.
Before credits & paid funds$64,953The complete starting cash picture.
Estimated remaining funds due at closing
$64,953No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,883.62
Your down payment$52,883.62
Closing costs + prepaids$12,069.43
Total buyer cash needed$64,953.05
Remaining funds due$64,953.05
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%)$4,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,810.58
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$477.25
Initial HOA (3 months)$288.00
Prepaid interest, first (2 days)$125.60
Fees + prepaids$12,069.43
Your down payment is the seller’s equity. You take over the $362,116 balance, so the rest of the $415,000 price is paid at closing. A second mortgage can cover part of it. $64,953.05 is due at closing. Uses and sources reconcile at $427,069.43 each. Not a Closing Disclosure.