Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$52,788Cash toward the purchase price.
Closing costs + prepaids$14,152Not just lender fees.
Before credits & paid funds$66,940The complete starting cash picture.
Estimated remaining funds due at closing
$66,940No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,787.60
Your down payment$52,787.60
Closing costs + prepaids$14,152.42
Total buyer cash needed$66,940.02
Remaining funds due$66,940.02
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%)$2,311.06
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$767.00
Initial HOA (3 months)$369.99
Prepaid interest, first (1 days)$86.36
Fees + prepaids$14,152.42
Your down payment is the seller’s equity. You take over the $462,212 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $66,940.02 is due at closing. Uses and sources reconcile at $529,152.42 each. Not a Closing Disclosure.