Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$44,572Cash toward the purchase price.
Closing costs + prepaids$14,917Not just lender fees.
Before credits & paid funds$59,489The complete starting cash picture.
Estimated remaining funds due at closing
$59,489No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,572.02
Your down payment$44,572.02
Closing costs + prepaids$14,916.94
Total buyer cash needed$59,488.96
Remaining funds due$59,488.96
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%)$5,649.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,601.64
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$749.50
Initial HOA (3 months)$354.00
Prepaid interest, first (1 days)$94.80
Fees + prepaids$14,916.94
Your down payment is the seller’s equity. You take over the $520,328 balance, so the rest of the $564,900 price is paid at closing. A second mortgage can cover part of it. $59,488.96 is due at closing. Uses and sources reconcile at $579,816.94 each. Not a Closing Disclosure.