Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$67,463Cash toward the purchase price.
Closing costs + prepaids$14,068Not just lender fees.
Before credits & paid funds$81,531The complete starting cash picture.
Estimated remaining funds due at closing
$81,531No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,463.41
Your down payment$67,463.41
Closing costs + prepaids$14,067.92
Total buyer cash needed$81,531.33
Remaining funds due$81,531.33
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%)$5,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,287.68
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$912.50
Initial HOA (3 months)$70.26
Prepaid interest, first (1 days)$79.47
Fees + prepaids$14,067.92
Your down payment is the seller’s equity. You take over the $457,537 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $81,531.33 is due at closing. Uses and sources reconcile at $539,067.92 each. Not a Closing Disclosure.