Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$32,276Cash toward the purchase price.
Closing costs + prepaids$13,944Not just lender fees.
Before credits & paid funds$46,220The complete starting cash picture.
Estimated remaining funds due at closing
$46,220No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$32,276.35
Your down payment$32,276.35
Closing costs + prepaids$13,944.07
Total buyer cash needed$46,220.42
Remaining funds due$46,220.42
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%)$5,249.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,463.12
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$441.50
Initial HOA (3 months)$252.00
Prepaid interest, first (1 days)$70.45
Fees + prepaids$13,944.07
Your down payment is the seller’s equity. You take over the $492,624 balance, so the rest of the $524,900 price is paid at closing. A second mortgage can cover part of it. $46,220.42 is due at closing. Uses and sources reconcile at $538,844.07 each. Not a Closing Disclosure.