Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$77,925Cash toward the purchase price.
Closing costs + prepaids$15,575Not just lender fees.
Before credits & paid funds$93,500The complete starting cash picture.
Estimated remaining funds due at closing
$93,500No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$77,925.17
Your down payment$77,925.17
Closing costs + prepaids$15,575.14
Total buyer cash needed$93,500.31
Remaining funds due$93,500.31
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%)$5,388.88
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,304.81
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,347.25
Initial HOA (3 months)$900.00
Prepaid interest, first (2 days)$166.20
Fees + prepaids$15,575.14
Your down payment is the seller’s equity. You take over the $460,963 balance, so the rest of the $538,888 price is paid at closing. A second mortgage can cover part of it. $93,500.31 is due at closing. Uses and sources reconcile at $554,463.14 each. Not a Closing Disclosure.