Follow the dollars · Assumption only
A complete cash picture for Dec 14, 2026
Your down payment$60,789Cash toward the purchase price.
Closing costs + prepaids$16,723Not just lender fees.
Before credits & paid funds$77,512The complete starting cash picture.
Estimated remaining funds due at closing
$77,512No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$60,788.70
Your down payment$60,788.70
Closing costs + prepaids$16,722.88
Total buyer cash needed$77,511.58
Remaining funds due$77,511.58
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%)$5,449.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,421.05
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,362.50
Initial HOA (3 months)$708.00
Prepaid interest, first (18 days)$1,313.34
Fees + prepaids$16,722.88
Your down payment is the seller’s equity. You take over the $484,210 balance, so the rest of the $544,999 price is paid at closing. A second mortgage can cover part of it. $77,511.58 is due at closing. Uses and sources reconcile at $561,721.88 each. Not a Closing Disclosure.