Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$63,267Cash toward the purchase price.
Closing costs + prepaids$15,279Not just lender fees.
Before credits & paid funds$78,546The complete starting cash picture.
Estimated remaining funds due at closing
$78,546No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,267.08
Your down payment$63,267.08
Closing costs + prepaids$15,278.77
Total buyer cash needed$78,545.85
Remaining funds due$78,545.85
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%)$6,190.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,778.66
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$539.75
Initial HOA (3 months)$189.99
Prepaid interest, first (2 days)$112.36
Fees + prepaids$15,278.77
Your down payment is the seller’s equity. You take over the $555,733 balance, so the rest of the $619,000 price is paid at closing. A second mortgage can cover part of it. $78,545.85 is due at closing. Uses and sources reconcile at $634,278.77 each. Not a Closing Disclosure.