Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$51,063Cash toward the purchase price.
Closing costs + prepaids$9,749Not just lender fees.
Before credits & paid funds$60,812The complete starting cash picture.
Estimated remaining funds due at closing
$60,812No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,063.27
Your down payment$51,063.27
Closing costs + prepaids$9,748.59
Total buyer cash needed$60,811.86
Remaining funds due$60,811.86
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%)$2,670.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,079.68
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$463.25
Initial HOA (3 months)$285.00
Prepaid interest, first (1 days)$32.66
Fees + prepaids$9,748.59
Your down payment is the seller’s equity. You take over the $215,937 balance, so the rest of the $267,000 price is paid at closing. A second mortgage can cover part of it. $60,811.86 is due at closing. Uses and sources reconcile at $276,748.59 each. Not a Closing Disclosure.