Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$61,623Cash toward the purchase price.
Closing costs + prepaids$13,148Not just lender fees.
Before credits & paid funds$74,772The complete starting cash picture.
Estimated remaining funds due at closing
$74,772No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,623.42
Your down payment$61,623.42
Closing costs + prepaids$13,148.11
Total buyer cash needed$74,771.53
Remaining funds due$74,771.53
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%)$4,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,116.88
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$508.50
Initial HOA (3 months)$132.00
Prepaid interest, first (1 days)$72.73
Fees + prepaids$13,148.11
Your down payment is the seller’s equity. You take over the $423,377 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $74,771.53 is due at closing. Uses and sources reconcile at $498,148.11 each. Not a Closing Disclosure.