Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$68,922Cash toward the purchase price.
Closing costs + prepaids$13,866Not just lender fees.
Before credits & paid funds$82,787The complete starting cash picture.
Estimated remaining funds due at closing
$82,787No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$68,921.54
Your down payment$68,921.54
Closing costs + prepaids$13,865.92
Total buyer cash needed$82,787.46
Remaining funds due$82,787.46
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%)$5,750.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,530.39
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$33.50
Prepaid interest, first (1 days)$84.02
Fees + prepaids$13,865.92
Your down payment is the seller’s equity. You take over the $506,078 balance, so the rest of the $575,000 price is paid at closing. A second mortgage can cover part of it. $82,787.46 is due at closing. Uses and sources reconcile at $588,865.92 each. Not a Closing Disclosure.