Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$56,798Cash toward the purchase price.
Closing costs + prepaids$14,780Not just lender fees.
Before credits & paid funds$71,577The complete starting cash picture.
Estimated remaining funds due at closing
$71,577No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,797.72
Your down payment$56,797.72
Closing costs + prepaids$14,779.59
Total buyer cash needed$71,577.31
Remaining funds due$71,577.31
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%)$5,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,391.01
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,275.25
Initial HOA (3 months)$125.01
Prepaid interest, first (2 days)$170.32
Fees + prepaids$14,779.59
Your down payment is the seller’s equity. You take over the $478,202 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $71,577.31 is due at closing. Uses and sources reconcile at $549,779.59 each. Not a Closing Disclosure.