Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$51,451Cash toward the purchase price.
Closing costs + prepaids$15,366Not just lender fees.
Before credits & paid funds$66,817The complete starting cash picture.
Estimated remaining funds due at closing
$66,817No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,450.74
Your down payment$51,450.74
Closing costs + prepaids$15,365.87
Total buyer cash needed$66,816.61
Remaining funds due$66,816.61
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%)$5,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,687.75
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$627.00
Initial HOA (3 months)$494.01
Prepaid interest, first (2 days)$199.11
Fees + prepaids$15,365.87
Your down payment is the seller’s equity. You take over the $537,549 balance, so the rest of the $589,000 price is paid at closing. A second mortgage can cover part of it. $66,816.61 is due at closing. Uses and sources reconcile at $604,365.87 each. Not a Closing Disclosure.