Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$27,953Cash toward the purchase price.
Closing costs + prepaids$14,984Not just lender fees.
Before credits & paid funds$42,937The complete starting cash picture.
Estimated remaining funds due at closing
$42,937No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,952.95
Your down payment$27,952.95
Closing costs + prepaids$14,983.87
Total buyer cash needed$42,936.81
Remaining funds due$42,936.81
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%)$5,790.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,755.24
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$707.50
Initial HOA (3 months)$165.00
Prepaid interest, first (1 days)$98.13
Fees + prepaids$14,983.87
Your down payment is the seller’s equity. You take over the $551,047 balance, so the rest of the $579,000 price is paid at closing. A second mortgage can cover part of it. $42,936.81 is due at closing. Uses and sources reconcile at $593,983.87 each. Not a Closing Disclosure.