Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$53,832Cash toward the purchase price.
Closing costs + prepaids$15,943Not just lender fees.
Before credits & paid funds$69,775The complete starting cash picture.
Estimated remaining funds due at closing
$69,775No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,831.80
Your down payment$53,831.80
Closing costs + prepaids$15,943.05
Total buyer cash needed$69,774.85
Remaining funds due$69,774.85
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%)$6,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,005.84
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$692.25
Prepaid interest, first (2 days)$226.96
Fees + prepaids$15,943.05
Your down payment is the seller’s equity. You take over the $601,168 balance, so the rest of the $655,000 price is paid at closing. A second mortgage can cover part of it. $69,774.85 is due at closing. Uses and sources reconcile at $670,943.05 each. Not a Closing Disclosure.