Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$104,931Cash toward the purchase price.
Closing costs + prepaids$13,497Not just lender fees.
Before credits & paid funds$118,429The complete starting cash picture.
Estimated remaining funds due at closing
$118,429No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$104,931.50
Your down payment$104,931.50
Closing costs + prepaids$13,497.46
Total buyer cash needed$118,428.96
Remaining funds due$118,428.96
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%)$4,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,974.84
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$635.50
Initial HOA (3 months)$354.00
Prepaid interest, first (1 days)$66.12
Fees + prepaids$13,497.46
Your down payment is the seller’s equity. You take over the $394,969 balance, so the rest of the $499,900 price is paid at closing. A second mortgage can cover part of it. $118,428.96 is due at closing. Uses and sources reconcile at $513,397.46 each. Not a Closing Disclosure.