Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$66,629Cash toward the purchase price.
Closing costs + prepaids$13,991Not just lender fees.
Before credits & paid funds$80,620The complete starting cash picture.
Estimated remaining funds due at closing
$80,620No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$66,628.70
Your down payment$66,628.70
Closing costs + prepaids$13,991.27
Total buyer cash needed$80,619.97
Remaining funds due$80,619.97
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%)$5,300.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,316.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$583.75
Initial HOA (3 months)$282.99
Prepaid interest, first (1 days)$39.67
Fees + prepaids$13,991.27
Your down payment is the seller’s equity. You take over the $463,371 balance, so the rest of the $530,000 price is paid at closing. A second mortgage can cover part of it. $80,619.97 is due at closing. Uses and sources reconcile at $543,991.27 each. Not a Closing Disclosure.