Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$927Cash toward the purchase price.
Closing costs + prepaids$14,402Not just lender fees.
Before credits & paid funds$15,329The complete starting cash picture.
Estimated remaining funds due at closing
$15,329No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$927.38
Your down payment$927.38
Closing costs + prepaids$14,401.68
Total buyer cash needed$15,329.06
Remaining funds due$15,329.06
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%)$5,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,695.36
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$650.75
Prepaid interest, first (2 days)$187.57
Fees + prepaids$14,401.68
Your down payment is the seller’s equity. You take over the $539,073 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $15,329.06 is due at closing. Uses and sources reconcile at $554,401.68 each. Not a Closing Disclosure.