Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$95,355Cash toward the purchase price.
Closing costs + prepaids$16,735Not just lender fees.
Before credits & paid funds$112,090The complete starting cash picture.
Estimated remaining funds due at closing
$112,090No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,355.13
Your down payment$95,355.13
Closing costs + prepaids$16,734.93
Total buyer cash needed$112,090.06
Remaining funds due$112,090.06
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%)$6,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,648.22
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$646.50
Initial HOA (3 months)$1,626.00
Prepaid interest, first (1 days)$96.21
Fees + prepaids$16,734.93
Your down payment is the seller’s equity. You take over the $529,645 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $112,090.06 is due at closing. Uses and sources reconcile at $641,734.93 each. Not a Closing Disclosure.