Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$57,496Cash toward the purchase price.
Closing costs + prepaids$12,612Not just lender fees.
Before credits & paid funds$70,108The complete starting cash picture.
Estimated remaining funds due at closing
$70,108No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,496.06
Your down payment$57,496.06
Closing costs + prepaids$12,612.33
Total buyer cash needed$70,108.39
Remaining funds due$70,108.39
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%)$4,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,012.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$305.50
Initial HOA (3 months)$150.00
Prepaid interest, first (1 days)$76.31
Fees + prepaids$12,612.33
Your down payment is the seller’s equity. You take over the $402,504 balance, so the rest of the $460,000 price is paid at closing. A second mortgage can cover part of it. $70,108.39 is due at closing. Uses and sources reconcile at $472,612.33 each. Not a Closing Disclosure.