Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$52,180Cash toward the purchase price.
Closing costs + prepaids$16,149Not just lender fees.
Before credits & paid funds$68,329The complete starting cash picture.
Estimated remaining funds due at closing
$68,329No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,180.18
Your down payment$52,180.18
Closing costs + prepaids$16,148.82
Total buyer cash needed$68,329.01
Remaining funds due$68,329.01
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%)$6,299.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,889.07
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$902.00
Initial HOA (3 months)$384.00
Prepaid interest, first (2 days)$205.80
Fees + prepaids$16,148.82
Your down payment is the seller’s equity. You take over the $577,815 balance, so the rest of the $629,995 price is paid at closing. A second mortgage can cover part of it. $68,329.01 is due at closing. Uses and sources reconcile at $646,143.82 each. Not a Closing Disclosure.