Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$70,011Cash toward the purchase price.
Closing costs + prepaids$14,420Not just lender fees.
Before credits & paid funds$84,431The complete starting cash picture.
Estimated remaining funds due at closing
$84,431No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,010.73
Your down payment$70,010.73
Closing costs + prepaids$14,420.22
Total buyer cash needed$84,430.95
Remaining funds due$84,430.95
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%)$2,274.95
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$897.00
Initial HOA (3 months)$492.00
Prepaid interest, first (1 days)$38.27
Fees + prepaids$14,420.22
Your down payment is the seller’s equity. You take over the $454,989 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $84,430.95 is due at closing. Uses and sources reconcile at $539,420.22 each. Not a Closing Disclosure.