Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$91,519Cash toward the purchase price.
Closing costs + prepaids$15,573Not just lender fees.
Before credits & paid funds$107,091The complete starting cash picture.
Estimated remaining funds due at closing
$107,091No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$91,518.65
Your down payment$91,518.65
Closing costs + prepaids$15,572.58
Total buyer cash needed$107,091.23
Remaining funds due$107,091.23
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%)$6,140.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,612.41
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$889.25
Initial HOA (3 months)$365.01
Prepaid interest, first (1 days)$97.91
Fees + prepaids$15,572.58
Your down payment is the seller’s equity. You take over the $522,481 balance, so the rest of the $614,000 price is paid at closing. A second mortgage can cover part of it. $107,091.23 is due at closing. Uses and sources reconcile at $629,572.58 each. Not a Closing Disclosure.