Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$24,249Cash toward the purchase price.
Closing costs + prepaids$14,362Not just lender fees.
Before credits & paid funds$38,611The complete starting cash picture.
Estimated remaining funds due at closing
$38,611No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$24,249.39
Your down payment$24,249.39
Closing costs + prepaids$14,361.78
Total buyer cash needed$38,611.17
Remaining funds due$38,611.17
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%)$5,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,653.75
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$491.50
Initial HOA (3 months)$104.01
Prepaid interest, first (1 days)$94.52
Fees + prepaids$14,361.78
Your down payment is the seller’s equity. You take over the $530,751 balance, so the rest of the $555,000 price is paid at closing. A second mortgage can cover part of it. $38,611.17 is due at closing. Uses and sources reconcile at $569,361.78 each. Not a Closing Disclosure.