Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$65,696Cash toward the purchase price.
Closing costs + prepaids$15,505Not just lender fees.
Before credits & paid funds$81,201The complete starting cash picture.
Estimated remaining funds due at closing
$81,201No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,696.02
Your down payment$65,696.02
Closing costs + prepaids$15,505.42
Total buyer cash needed$81,201.44
Remaining funds due$81,201.44
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%)$6,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,721.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$828.25
Initial HOA (3 months)$345.00
Prepaid interest, first (1 days)$42.65
Fees + prepaids$15,505.42
Your down payment is the seller’s equity. You take over the $544,304 balance, so the rest of the $610,000 price is paid at closing. A second mortgage can cover part of it. $81,201.44 is due at closing. Uses and sources reconcile at $625,505.42 each. Not a Closing Disclosure.