Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$47,081Cash toward the purchase price.
Closing costs + prepaids$15,014Not just lender fees.
Before credits & paid funds$62,095The complete starting cash picture.
Estimated remaining funds due at closing
$62,095No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,080.63
Your down payment$47,080.63
Closing costs + prepaids$15,013.98
Total buyer cash needed$62,094.61
Remaining funds due$62,094.61
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%)$5,900.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,714.60
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$682.00
Initial HOA (3 months)$56.01
Prepaid interest, first (2 days)$193.37
Fees + prepaids$15,013.98
Your down payment is the seller’s equity. You take over the $542,919 balance, so the rest of the $590,000 price is paid at closing. A second mortgage can cover part of it. $62,094.61 is due at closing. Uses and sources reconcile at $605,013.98 each. Not a Closing Disclosure.