Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$25,840Cash toward the purchase price.
Closing costs + prepaids$15,114Not just lender fees.
Before credits & paid funds$40,954The complete starting cash picture.
Estimated remaining funds due at closing
$40,954No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,840.21
Your down payment$25,840.21
Closing costs + prepaids$15,114.27
Total buyer cash needed$40,954.48
Remaining funds due$40,954.48
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%)$6,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,945.80
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$41.75
Initial HOA (3 months)$408.00
Prepaid interest, first (1 days)$100.72
Fees + prepaids$15,114.27
Your down payment is the seller’s equity. You take over the $589,160 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $40,954.48 is due at closing. Uses and sources reconcile at $630,114.27 each. Not a Closing Disclosure.