Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$31,544Cash toward the purchase price.
Closing costs + prepaids$15,635Not just lender fees.
Before credits & paid funds$47,179The complete starting cash picture.
Estimated remaining funds due at closing
$47,179No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$31,544.24
Your down payment$31,544.24
Closing costs + prepaids$15,634.78
Total buyer cash needed$47,179.02
Remaining funds due$47,179.02
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%)$6,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,917.28
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$413.00
Initial HOA (3 months)$585.00
Prepaid interest, first (1 days)$101.51
Fees + prepaids$15,634.78
Your down payment is the seller’s equity. You take over the $583,456 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $47,179.02 is due at closing. Uses and sources reconcile at $630,634.78 each. Not a Closing Disclosure.