Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$40,844Cash toward the purchase price.
Closing costs + prepaids$15,260Not just lender fees.
Before credits & paid funds$56,103The complete starting cash picture.
Estimated remaining funds due at closing
$56,103No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$40,843.63
Your down payment$40,843.63
Closing costs + prepaids$15,259.62
Total buyer cash needed$56,103.25
Remaining funds due$56,103.25
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%)$6,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,845.28
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$673.50
Initial HOA (3 months)$68.76
Prepaid interest, first (1 days)$105.08
Fees + prepaids$15,259.62
Your down payment is the seller’s equity. You take over the $569,056 balance, so the rest of the $609,900 price is paid at closing. A second mortgage can cover part of it. $56,103.25 is due at closing. Uses and sources reconcile at $625,159.62 each. Not a Closing Disclosure.