Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$98,371Cash toward the purchase price.
Closing costs + prepaids$15,138Not just lender fees.
Before credits & paid funds$113,510The complete starting cash picture.
Estimated remaining funds due at closing
$113,510No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$98,371.30
Your down payment$98,371.30
Closing costs + prepaids$15,138.24
Total buyer cash needed$113,509.54
Remaining funds due$113,509.54
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%)$5,650.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,333.14
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,390.25
Initial HOA (3 months)$225.00
Prepaid interest, first (2 days)$71.85
Fees + prepaids$15,138.24
Your down payment is the seller’s equity. You take over the $466,629 balance, so the rest of the $565,000 price is paid at closing. A second mortgage can cover part of it. $113,509.54 is due at closing. Uses and sources reconcile at $580,138.24 each. Not a Closing Disclosure.