Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$83,450Cash toward the purchase price.
Closing costs + prepaids$16,727Not just lender fees.
Before credits & paid funds$100,177The complete starting cash picture.
Estimated remaining funds due at closing
$100,177No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,450.34
Your down payment$83,450.34
Closing costs + prepaids$16,726.51
Total buyer cash needed$100,176.85
Remaining funds due$100,176.85
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%)$5,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,332.75
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$895.00
Initial HOA (3 months)$39.00
Prepaid interest, first (27 days)$2,491.76
Fees + prepaids$16,726.51
Your down payment is the seller’s equity. You take over the $466,550 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $100,176.85 is due at closing. Uses and sources reconcile at $566,726.51 each. Not a Closing Disclosure.