Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$58,758Cash toward the purchase price.
Closing costs + prepaids$13,702Not just lender fees.
Before credits & paid funds$72,460The complete starting cash picture.
Estimated remaining funds due at closing
$72,460No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,757.83
Your down payment$58,757.83
Closing costs + prepaids$13,702.24
Total buyer cash needed$72,460.07
Remaining funds due$72,460.07
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%)$5,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,331.21
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$405.00
Initial HOA (3 months)$165.00
Prepaid interest, first (1 days)$83.03
Fees + prepaids$13,702.24
Your down payment is the seller’s equity. You take over the $466,242 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $72,460.07 is due at closing. Uses and sources reconcile at $538,702.24 each. Not a Closing Disclosure.