Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$61,923Cash toward the purchase price.
Closing costs + prepaids$14,408Not just lender fees.
Before credits & paid funds$76,331The complete starting cash picture.
Estimated remaining funds due at closing
$76,331No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$61,923.18
Your down payment$61,923.18
Closing costs + prepaids$14,408.21
Total buyer cash needed$76,331.39
Remaining funds due$76,331.39
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%)$5,600.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,490.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$519.25
Initial HOA (3 months)$282.00
Prepaid interest, first (1 days)$48.58
Fees + prepaids$14,408.21
Your down payment is the seller’s equity. You take over the $498,077 balance, so the rest of the $560,000 price is paid at closing. A second mortgage can cover part of it. $76,331.39 is due at closing. Uses and sources reconcile at $574,408.21 each. Not a Closing Disclosure.