Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$65,696Cash toward the purchase price.
Closing costs + prepaids$15,548Not just lender fees.
Before credits & paid funds$81,244The complete starting cash picture.
Estimated remaining funds due at closing
$81,244No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,696.02
Your down payment$65,696.02
Closing costs + prepaids$15,548.07
Total buyer cash needed$81,244.09
Remaining funds due$81,244.09
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%)$6,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,721.52
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$828.25
Initial HOA (3 months)$345.00
Prepaid interest, first (2 days)$85.30
Fees + prepaids$15,548.07
Your down payment is the seller’s equity. You take over the $544,304 balance, so the rest of the $610,000 price is paid at closing. A second mortgage can cover part of it. $81,244.09 is due at closing. Uses and sources reconcile at $625,548.07 each. Not a Closing Disclosure.