Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$42,065Cash toward the purchase price.
Closing costs + prepaids$17,379Not just lender fees.
Before credits & paid funds$59,444The complete starting cash picture.
Estimated remaining funds due at closing
$59,444No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$42,064.73
Your down payment$42,064.73
Closing costs + prepaids$17,379.16
Total buyer cash needed$59,443.89
Remaining funds due$59,443.89
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%)$6,749.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,164.67
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,231.50
Initial HOA (3 months)$645.00
Prepaid interest, first (1 days)$120.00
Fees + prepaids$17,379.16
Your down payment is the seller’s equity. You take over the $632,934 balance, so the rest of the $674,999 price is paid at closing. A second mortgage can cover part of it. $59,443.89 is due at closing. Uses and sources reconcile at $692,378.16 each. Not a Closing Disclosure.