Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$117,097Cash toward the purchase price.
Closing costs + prepaids$16,276Not just lender fees.
Before credits & paid funds$133,373The complete starting cash picture.
Estimated remaining funds due at closing
$133,373No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$117,097.15
Your down payment$117,097.15
Closing costs + prepaids$16,275.97
Total buyer cash needed$133,373.13
Remaining funds due$133,373.13
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%)$6,590.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,709.51
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$870.75
Initial HOA (3 months)$536.01
Prepaid interest, first (1 days)$101.70
Fees + prepaids$16,275.97
Your down payment is the seller’s equity. You take over the $541,903 balance, so the rest of the $659,000 price is paid at closing. A second mortgage can cover part of it. $133,373.13 is due at closing. Uses and sources reconcile at $675,275.97 each. Not a Closing Disclosure.