Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$64,535Cash toward the purchase price.
Closing costs + prepaids$14,203Not just lender fees.
Before credits & paid funds$78,738The complete starting cash picture.
Estimated remaining funds due at closing
$78,738No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,534.61
Your down payment$64,534.61
Closing costs + prepaids$14,203.24
Total buyer cash needed$78,737.85
Remaining funds due$78,737.85
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%)$5,630.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,492.33
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$349.75
Initial HOA (3 months)$90.00
Prepaid interest, first (2 days)$173.17
Fees + prepaids$14,203.24
Your down payment is the seller’s equity. You take over the $498,465 balance, so the rest of the $563,000 price is paid at closing. A second mortgage can cover part of it. $78,737.85 is due at closing. Uses and sources reconcile at $577,203.24 each. Not a Closing Disclosure.