Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$73,748Cash toward the purchase price.
Closing costs + prepaids$13,611Not just lender fees.
Before credits & paid funds$87,359The complete starting cash picture.
Estimated remaining funds due at closing
$87,359No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,747.85
Your down payment$73,747.85
Closing costs + prepaids$13,610.88
Total buyer cash needed$87,358.74
Remaining funds due$87,358.74
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%)$5,335.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,298.76
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$427.25
Prepaid interest, first (1 days)$81.87
Fees + prepaids$13,610.88
Your down payment is the seller’s equity. You take over the $459,752 balance, so the rest of the $533,500 price is paid at closing. A second mortgage can cover part of it. $87,358.74 is due at closing. Uses and sources reconcile at $547,110.88 each. Not a Closing Disclosure.