Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$83,612Cash toward the purchase price.
Closing costs + prepaids$14,722Not just lender fees.
Before credits & paid funds$98,333The complete starting cash picture.
Estimated remaining funds due at closing
$98,333No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,611.62
Your down payment$83,611.62
Closing costs + prepaids$14,721.60
Total buyer cash needed$98,333.22
Remaining funds due$98,333.22
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%)$5,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,276.94
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$672.75
Initial HOA (3 months)$867.00
Prepaid interest, first (1 days)$46.91
Fees + prepaids$14,721.60
Your down payment is the seller’s equity. You take over the $455,388 balance, so the rest of the $539,000 price is paid at closing. A second mortgage can cover part of it. $98,333.22 is due at closing. Uses and sources reconcile at $553,721.60 each. Not a Closing Disclosure.