Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$25,840Cash toward the purchase price.
Closing costs + prepaids$15,215Not just lender fees.
Before credits & paid funds$41,055The complete starting cash picture.
Estimated remaining funds due at closing
$41,055No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$25,840.21
Your down payment$25,840.21
Closing costs + prepaids$15,214.99
Total buyer cash needed$41,055.20
Remaining funds due$41,055.20
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%)$6,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,945.80
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$41.75
Initial HOA (3 months)$408.00
Prepaid interest, first (2 days)$201.44
Fees + prepaids$15,214.99
Your down payment is the seller’s equity. You take over the $589,160 balance, so the rest of the $615,000 price is paid at closing. A second mortgage can cover part of it. $41,055.20 is due at closing. Uses and sources reconcile at $630,214.99 each. Not a Closing Disclosure.