Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$47,606Cash toward the purchase price.
Closing costs + prepaids$16,604Not just lender fees.
Before credits & paid funds$64,210The complete starting cash picture.
Estimated remaining funds due at closing
$64,210No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,605.62
Your down payment$47,605.62
Closing costs + prepaids$16,603.90
Total buyer cash needed$64,209.53
Remaining funds due$64,209.53
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%)$5,475.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,499.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$422.50
Initial HOA (3 months)$474.00
Prepaid interest, first (27 days)$2,264.93
Fees + prepaids$16,603.90
Your down payment is the seller’s equity. You take over the $499,894 balance, so the rest of the $547,500 price is paid at closing. A second mortgage can cover part of it. $64,209.53 is due at closing. Uses and sources reconcile at $564,103.90 each. Not a Closing Disclosure.