Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$60,465Cash toward the purchase price.
Closing costs + prepaids$15,181Not just lender fees.
Before credits & paid funds$75,646The complete starting cash picture.
Estimated remaining funds due at closing
$75,646No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,464.81
Your down payment$60,464.81
Closing costs + prepaids$15,181.35
Total buyer cash needed$75,646.17
Remaining funds due$75,646.17
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%)$5,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,697.18
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$573.75
Initial HOA (3 months)$345.00
Prepaid interest, first (1 days)$98.43
Fees + prepaids$15,181.35
Your down payment is the seller’s equity. You take over the $539,435 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $75,646.17 is due at closing. Uses and sources reconcile at $615,081.35 each. Not a Closing Disclosure.