Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$48,121Cash toward the purchase price.
Closing costs + prepaids$17,895Not just lender fees.
Before credits & paid funds$66,016The complete starting cash picture.
Estimated remaining funds due at closing
$66,016No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$48,121.21
Your down payment$48,121.21
Closing costs + prepaids$17,895.27
Total buyer cash needed$66,016.48
Remaining funds due$66,016.48
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%)$5,345.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,431.89
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,647.75
Initial HOA (3 months)$360.99
Prepaid interest, first (28 days)$2,641.64
Fees + prepaids$17,895.27
Your down payment is the seller’s equity. You take over the $486,379 balance, so the rest of the $534,500 price is paid at closing. A second mortgage can cover part of it. $66,016.48 is due at closing. Uses and sources reconcile at $552,395.27 each. Not a Closing Disclosure.