Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$73,150Cash toward the purchase price.
Closing costs + prepaids$14,917Not just lender fees.
Before credits & paid funds$88,067The complete starting cash picture.
Estimated remaining funds due at closing
$88,067No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,150.46
Your down payment$73,150.46
Closing costs + prepaids$14,916.87
Total buyer cash needed$88,067.33
Remaining funds due$88,067.33
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%)$5,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,359.25
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$457.75
Initial HOA (3 months)$180.00
Prepaid interest, first (25 days)$1,001.87
Fees + prepaids$14,916.87
Your down payment is the seller’s equity. You take over the $471,850 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $88,067.33 is due at closing. Uses and sources reconcile at $559,916.87 each. Not a Closing Disclosure.