Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$73,919Cash toward the purchase price.
Closing costs + prepaids$15,458Not just lender fees.
Before credits & paid funds$89,377The complete starting cash picture.
Estimated remaining funds due at closing
$89,377No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,919.37
Your down payment$73,919.37
Closing costs + prepaids$15,457.98
Total buyer cash needed$89,377.35
Remaining funds due$89,377.35
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%)$6,299.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,779.90
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$660.00
Initial HOA (3 months)$154.50
Prepaid interest, first (1 days)$96.57
Fees + prepaids$15,457.98
Your down payment is the seller’s equity. You take over the $555,981 balance, so the rest of the $629,900 price is paid at closing. A second mortgage can cover part of it. $89,377.35 is due at closing. Uses and sources reconcile at $645,357.98 each. Not a Closing Disclosure.