Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$50,513Cash toward the purchase price.
Closing costs + prepaids$13,632Not just lender fees.
Before credits & paid funds$64,146The complete starting cash picture.
Estimated remaining funds due at closing
$64,146No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,513.44
Your down payment$50,513.44
Closing costs + prepaids$13,632.36
Total buyer cash needed$64,145.80
Remaining funds due$64,145.80
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,322.43
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$457.00
Initial HOA (3 months)$154.50
Prepaid interest, first (1 days)$80.43
Fees + prepaids$13,632.36
Your down payment is the seller’s equity. You take over the $464,487 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $64,145.80 is due at closing. Uses and sources reconcile at $528,632.36 each. Not a Closing Disclosure.