Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$56,713Cash toward the purchase price.
Closing costs + prepaids$14,278Not just lender fees.
Before credits & paid funds$70,990The complete starting cash picture.
Estimated remaining funds due at closing
$70,990No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,712.63
Your down payment$56,712.63
Closing costs + prepaids$14,277.68
Total buyer cash needed$70,990.31
Remaining funds due$70,990.31
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%)$5,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,341.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$742.25
Initial HOA (3 months)$408.00
Prepaid interest, first (1 days)$68.00
Fees + prepaids$14,277.68
Your down payment is the seller’s equity. You take over the $468,287 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $70,990.31 is due at closing. Uses and sources reconcile at $539,277.68 each. Not a Closing Disclosure.