Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$38,146Cash toward the purchase price.
Closing costs + prepaids$15,978Not just lender fees.
Before credits & paid funds$54,124The complete starting cash picture.
Estimated remaining funds due at closing
$54,124No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$38,146.00
Your down payment$38,146.00
Closing costs + prepaids$15,978.49
Total buyer cash needed$54,124.50
Remaining funds due$54,124.50
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%)$6,250.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,934.27
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$820.25
Initial HOA (3 months)$396.00
Prepaid interest, first (1 days)$109.97
Fees + prepaids$15,978.49
Your down payment is the seller’s equity. You take over the $586,854 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $54,124.50 is due at closing. Uses and sources reconcile at $640,978.49 each. Not a Closing Disclosure.