Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$50,894Cash toward the purchase price.
Closing costs + prepaids$13,977Not just lender fees.
Before credits & paid funds$64,871The complete starting cash picture.
Estimated remaining funds due at closing
$64,871No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,894.49
Your down payment$50,894.49
Closing costs + prepaids$13,976.66
Total buyer cash needed$64,871.15
Remaining funds due$64,871.15
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%)$5,497.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,494.03
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$349.75
Initial HOA (3 months)$80.01
Prepaid interest, first (1 days)$87.87
Fees + prepaids$13,976.66
Your down payment is the seller’s equity. You take over the $498,806 balance, so the rest of the $549,700 price is paid at closing. A second mortgage can cover part of it. $64,871.15 is due at closing. Uses and sources reconcile at $563,676.66 each. Not a Closing Disclosure.