Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$87,469Cash toward the purchase price.
Closing costs + prepaids$13,884Not just lender fees.
Before credits & paid funds$101,353The complete starting cash picture.
Estimated remaining funds due at closing
$101,353No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$87,468.96
Your down payment$87,468.96
Closing costs + prepaids$13,883.64
Total buyer cash needed$101,352.60
Remaining funds due$101,352.60
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%)$5,649.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,387.16
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$234.00
Initial HOA (3 months)$58.50
Prepaid interest, first (1 days)$86.98
Fees + prepaids$13,883.64
Your down payment is the seller’s equity. You take over the $477,431 balance, so the rest of the $564,900 price is paid at closing. A second mortgage can cover part of it. $101,352.60 is due at closing. Uses and sources reconcile at $578,783.64 each. Not a Closing Disclosure.