Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$65,438Cash toward the purchase price.
Closing costs + prepaids$15,211Not just lender fees.
Before credits & paid funds$80,650The complete starting cash picture.
Estimated remaining funds due at closing
$80,650No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,438.14
Your down payment$65,438.14
Closing costs + prepaids$15,211.42
Total buyer cash needed$80,649.55
Remaining funds due$80,649.55
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%)$2,672.31
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$609.25
Initial HOA (3 months)$375.00
Prepaid interest, first (2 days)$87.86
Fees + prepaids$15,211.42
Your down payment is the seller’s equity. You take over the $534,462 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $80,649.55 is due at closing. Uses and sources reconcile at $615,111.42 each. Not a Closing Disclosure.