Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$101,489Cash toward the purchase price.
Closing costs + prepaids$15,277Not just lender fees.
Before credits & paid funds$116,765The complete starting cash picture.
Estimated remaining funds due at closing
$116,765No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$101,488.56
Your down payment$101,488.56
Closing costs + prepaids$15,276.52
Total buyer cash needed$116,765.08
Remaining funds due$116,765.08
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%)$5,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,367.56
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,266.75
Initial HOA (3 months)$384.00
Prepaid interest, first (1 days)$40.22
Fees + prepaids$15,276.52
Your down payment is the seller’s equity. You take over the $473,511 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $116,765.08 is due at closing. Uses and sources reconcile at $590,276.52 each. Not a Closing Disclosure.