Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$40,788Cash toward the purchase price.
Closing costs + prepaids$16,048Not just lender fees.
Before credits & paid funds$56,836The complete starting cash picture.
Estimated remaining funds due at closing
$56,836No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,788.13
Your down payment$40,788.13
Closing costs + prepaids$16,048.27
Total buyer cash needed$56,836.40
Remaining funds due$56,836.40
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%)$5,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,671.06
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,437.50
Initial HOA (3 months)$525.00
Prepaid interest, first (2 days)$196.71
Fees + prepaids$16,048.27
Your down payment is the seller’s equity. You take over the $534,212 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $56,836.40 is due at closing. Uses and sources reconcile at $591,048.27 each. Not a Closing Disclosure.