Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$27,540Cash toward the purchase price.
Closing costs + prepaids$14,532Not just lender fees.
Before credits & paid funds$42,072The complete starting cash picture.
Estimated remaining funds due at closing
$42,072No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,539.80
Your down payment$27,539.80
Closing costs + prepaids$14,531.95
Total buyer cash needed$42,071.75
Remaining funds due$42,071.75
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%)$5,195.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,459.80
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$833.75
Initial HOA (3 months)$501.00
Prepaid interest, first (1 days)$74.40
Fees + prepaids$14,531.95
Your down payment is the seller’s equity. You take over the $491,960 balance, so the rest of the $519,500 price is paid at closing. A second mortgage can cover part of it. $42,071.75 is due at closing. Uses and sources reconcile at $534,031.95 each. Not a Closing Disclosure.