Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$44,887Cash toward the purchase price.
Closing costs + prepaids$25,434Not just lender fees.
Before credits & paid funds$70,321The complete starting cash picture.
Estimated remaining funds due at closing
$70,321No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,887.04
Your down payment$44,887.04
Closing costs + prepaids$25,433.59
Total buyer cash needed$70,320.63
Remaining funds due$70,320.63
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%)$8,749.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$4,150.06
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,874.25
Initial HOA (3 months)$3,357.00
Prepaid interest, first (1 days)$85.28
Fees + prepaids$25,433.59
Your down payment is the seller’s equity. You take over the $830,013 balance, so the rest of the $874,900 price is paid at closing. A second mortgage can cover part of it. $70,320.63 is due at closing. Uses and sources reconcile at $900,333.59 each. Not a Closing Disclosure.