Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$28,383Cash toward the purchase price.
Closing costs + prepaids$14,847Not just lender fees.
Before credits & paid funds$43,230The complete starting cash picture.
Estimated remaining funds due at closing
$43,230No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$28,382.80
Your down payment$28,382.80
Closing costs + prepaids$14,846.93
Total buyer cash needed$43,229.73
Remaining funds due$43,229.73
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%)$5,799.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,757.59
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$413.25
Initial HOA (3 months)$300.00
Prepaid interest, first (1 days)$109.09
Fees + prepaids$14,846.93
Your down payment is the seller’s equity. You take over the $551,517 balance, so the rest of the $579,900 price is paid at closing. A second mortgage can cover part of it. $43,229.73 is due at closing. Uses and sources reconcile at $594,746.93 each. Not a Closing Disclosure.