Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$72,770Cash toward the purchase price.
Closing costs + prepaids$15,588Not just lender fees.
Before credits & paid funds$88,358The complete starting cash picture.
Estimated remaining funds due at closing
$88,358No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$72,769.62
Your down payment$72,769.62
Closing costs + prepaids$15,587.95
Total buyer cash needed$88,357.57
Remaining funds due$88,357.57
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%)$6,220.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,746.15
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$781.75
Initial HOA (3 months)$288.99
Prepaid interest, first (1 days)$83.06
Fees + prepaids$15,587.95
Your down payment is the seller’s equity. You take over the $549,230 balance, so the rest of the $622,000 price is paid at closing. A second mortgage can cover part of it. $88,357.57 is due at closing. Uses and sources reconcile at $637,587.95 each. Not a Closing Disclosure.