Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$56,789Cash toward the purchase price.
Closing costs + prepaids$17,244Not just lender fees.
Before credits & paid funds$74,033The complete starting cash picture.
Estimated remaining funds due at closing
$74,033No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$56,789.13
Your down payment$56,789.13
Closing costs + prepaids$17,244.34
Total buyer cash needed$74,033.47
Remaining funds due$74,033.47
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%)$5,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,461.05
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,372.50
Initial HOA (3 months)$483.00
Prepaid interest, first (27 days)$1,969.79
Fees + prepaids$17,244.34
Your down payment is the seller’s equity. You take over the $492,211 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $74,033.47 is due at closing. Uses and sources reconcile at $566,244.34 each. Not a Closing Disclosure.