Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$78,512Cash toward the purchase price.
Closing costs + prepaids$14,279Not just lender fees.
Before credits & paid funds$92,791The complete starting cash picture.
Estimated remaining funds due at closing
$92,791No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$78,511.92
Your down payment$78,511.92
Closing costs + prepaids$14,279.46
Total buyer cash needed$92,791.39
Remaining funds due$92,791.39
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%)$5,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,232.44
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$846.00
Initial HOA (3 months)$324.00
Prepaid interest, first (2 days)$159.02
Fees + prepaids$14,279.46
Your down payment is the seller’s equity. You take over the $446,488 balance, so the rest of the $525,000 price is paid at closing. A second mortgage can cover part of it. $92,791.39 is due at closing. Uses and sources reconcile at $539,279.46 each. Not a Closing Disclosure.