Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$65,871Cash toward the purchase price.
Closing costs + prepaids$13,993Not just lender fees.
Before credits & paid funds$79,864The complete starting cash picture.
Estimated remaining funds due at closing
$79,864No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,870.83
Your down payment$65,870.83
Closing costs + prepaids$13,992.97
Total buyer cash needed$79,863.80
Remaining funds due$79,863.80
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%)$5,149.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,245.64
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$585.00
Initial HOA (3 months)$471.00
Prepaid interest, first (2 days)$73.34
Fees + prepaids$13,992.97
Your down payment is the seller’s equity. You take over the $449,128 balance, so the rest of the $514,999 price is paid at closing. A second mortgage can cover part of it. $79,863.80 is due at closing. Uses and sources reconcile at $528,991.97 each. Not a Closing Disclosure.