Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$110,428Cash toward the purchase price.
Closing costs + prepaids$14,924Not just lender fees.
Before credits & paid funds$125,352The complete starting cash picture.
Estimated remaining funds due at closing
$125,352No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$110,427.61
Your down payment$110,427.61
Closing costs + prepaids$14,924.10
Total buyer cash needed$125,351.70
Remaining funds due$125,351.70
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%)$5,950.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,422.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$697.00
Initial HOA (3 months)$348.00
Prepaid interest, first (1 days)$38.23
Fees + prepaids$14,924.10
Your down payment is the seller’s equity. You take over the $484,572 balance, so the rest of the $595,000 price is paid at closing. A second mortgage can cover part of it. $125,351.70 is due at closing. Uses and sources reconcile at $609,924.10 each. Not a Closing Disclosure.