Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$62,329Cash toward the purchase price.
Closing costs + prepaids$12,615Not just lender fees.
Before credits & paid funds$74,944The complete starting cash picture.
Estimated remaining funds due at closing
$74,944No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,328.59
Your down payment$62,328.59
Closing costs + prepaids$12,615.24
Total buyer cash needed$74,943.83
Remaining funds due$74,943.83
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%)$4,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,063.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$293.75
Prepaid interest, first (1 days)$40.14
Fees + prepaids$12,615.24
Your down payment is the seller’s equity. You take over the $412,671 balance, so the rest of the $475,000 price is paid at closing. A second mortgage can cover part of it. $74,943.83 is due at closing. Uses and sources reconcile at $487,615.24 each. Not a Closing Disclosure.