Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$65,756Cash toward the purchase price.
Closing costs + prepaids$14,840Not just lender fees.
Before credits & paid funds$80,596The complete starting cash picture.
Estimated remaining funds due at closing
$80,596No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$65,756.29
Your down payment$65,756.29
Closing costs + prepaids$14,839.92
Total buyer cash needed$80,596.20
Remaining funds due$80,596.20
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%)$2,546.22
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$698.00
Initial HOA (3 months)$287.01
Prepaid interest, first (1 days)$90.69
Fees + prepaids$14,839.92
Your down payment is the seller’s equity. You take over the $509,244 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $80,596.20 is due at closing. Uses and sources reconcile at $589,839.92 each. Not a Closing Disclosure.