Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$58,715Cash toward the purchase price.
Closing costs + prepaids$13,708Not just lender fees.
Before credits & paid funds$72,423The complete starting cash picture.
Estimated remaining funds due at closing
$72,423No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$58,714.73
Your down payment$58,714.73
Closing costs + prepaids$13,708.43
Total buyer cash needed$72,423.17
Remaining funds due$72,423.17
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%)$5,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,281.43
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$508.75
Initial HOA (3 months)$219.00
Prepaid interest, first (2 days)$81.26
Fees + prepaids$13,708.43
Your down payment is the seller’s equity. You take over the $456,285 balance, so the rest of the $515,000 price is paid at closing. A second mortgage can cover part of it. $72,423.17 is due at closing. Uses and sources reconcile at $528,708.43 each. Not a Closing Disclosure.