Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$38,050Cash toward the purchase price.
Closing costs + prepaids$13,955Not just lender fees.
Before credits & paid funds$52,005The complete starting cash picture.
Estimated remaining funds due at closing
$52,005No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,050.28
Your down payment$38,050.28
Closing costs + prepaids$13,954.77
Total buyer cash needed$52,005.06
Remaining funds due$52,005.06
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%)$5,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,359.75
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$760.00
Initial HOA (3 months)$225.00
Prepaid interest, first (1 days)$42.02
Fees + prepaids$13,954.77
Your down payment is the seller’s equity. You take over the $471,950 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $52,005.06 is due at closing. Uses and sources reconcile at $523,954.77 each. Not a Closing Disclosure.