Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$69,563Cash toward the purchase price.
Closing costs + prepaids$14,352Not just lender fees.
Before credits & paid funds$83,915The complete starting cash picture.
Estimated remaining funds due at closing
$83,915No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,562.99
Your down payment$69,562.99
Closing costs + prepaids$14,351.89
Total buyer cash needed$83,914.88
Remaining funds due$83,914.88
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%)$5,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,597.19
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$300.50
Prepaid interest, first (1 days)$96.20
Fees + prepaids$14,351.89
Your down payment is the seller’s equity. You take over the $519,437 balance, so the rest of the $589,000 price is paid at closing. A second mortgage can cover part of it. $83,914.88 is due at closing. Uses and sources reconcile at $603,351.89 each. Not a Closing Disclosure.