Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$67,685Cash toward the purchase price.
Closing costs + prepaids$13,503Not just lender fees.
Before credits & paid funds$81,188The complete starting cash picture.
Estimated remaining funds due at closing
$81,188No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,685.32
Your down payment$67,685.32
Closing costs + prepaids$13,503.16
Total buyer cash needed$81,188.48
Remaining funds due$81,188.48
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%)$2,336.57
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$99.50
Initial HOA (3 months)$87.51
Prepaid interest, first (2 days)$161.58
Fees + prepaids$13,503.16
Your down payment is the seller’s equity. You take over the $467,315 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $81,188.48 is due at closing. Uses and sources reconcile at $548,503.16 each. Not a Closing Disclosure.