Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$70,855Cash toward the purchase price.
Closing costs + prepaids$13,978Not just lender fees.
Before credits & paid funds$84,833The complete starting cash picture.
Estimated remaining funds due at closing
$84,833No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$70,854.82
Your down payment$70,854.82
Closing costs + prepaids$13,977.70
Total buyer cash needed$84,832.52
Remaining funds due$84,832.52
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%)$5,100.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,195.73
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$848.00
Initial HOA (3 months)$285.00
Prepaid interest, first (1 days)$80.97
Fees + prepaids$13,977.70
Your down payment is the seller’s equity. You take over the $439,145 balance, so the rest of the $510,000 price is paid at closing. A second mortgage can cover part of it. $84,832.52 is due at closing. Uses and sources reconcile at $523,977.70 each. Not a Closing Disclosure.