Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$41,609Cash toward the purchase price.
Closing costs + prepaids$16,549Not just lender fees.
Before credits & paid funds$58,158The complete starting cash picture.
Estimated remaining funds due at closing
$58,158No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,609.46
Your down payment$41,609.46
Closing costs + prepaids$16,549.04
Total buyer cash needed$58,158.50
Remaining funds due$58,158.50
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%)$6,480.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,031.95
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,027.75
Initial HOA (3 months)$438.00
Prepaid interest, first (1 days)$103.34
Fees + prepaids$16,549.04
Your down payment is the seller’s equity. You take over the $606,391 balance, so the rest of the $648,000 price is paid at closing. A second mortgage can cover part of it. $58,158.50 is due at closing. Uses and sources reconcile at $664,549.04 each. Not a Closing Disclosure.