Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$71,624Cash toward the purchase price.
Closing costs + prepaids$13,770Not just lender fees.
Before credits & paid funds$85,393The complete starting cash picture.
Estimated remaining funds due at closing
$85,393No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$71,623.57
Your down payment$71,623.57
Closing costs + prepaids$13,769.54
Total buyer cash needed$85,393.11
Remaining funds due$85,393.11
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%)$5,200.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,241.88
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$508.25
Initial HOA (3 months)$260.01
Prepaid interest, first (1 days)$91.40
Fees + prepaids$13,769.54
Your down payment is the seller’s equity. You take over the $448,376 balance, so the rest of the $520,000 price is paid at closing. A second mortgage can cover part of it. $85,393.11 is due at closing. Uses and sources reconcile at $533,769.54 each. Not a Closing Disclosure.