Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$55,395Cash toward the purchase price.
Closing costs + prepaids$16,200Not just lender fees.
Before credits & paid funds$71,595The complete starting cash picture.
Estimated remaining funds due at closing
$71,595No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,394.87
Your down payment$55,394.87
Closing costs + prepaids$16,199.80
Total buyer cash needed$71,594.68
Remaining funds due$71,594.68
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%)$5,199.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,322.98
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,625.75
Initial HOA (3 months)$180.99
Prepaid interest, first (18 days)$1,402.19
Fees + prepaids$16,199.80
Your down payment is the seller’s equity. You take over the $464,595 balance, so the rest of the $519,990 price is paid at closing. A second mortgage can cover part of it. $71,594.68 is due at closing. Uses and sources reconcile at $536,189.80 each. Not a Closing Disclosure.