Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$50,108Cash toward the purchase price.
Closing costs + prepaids$16,473Not just lender fees.
Before credits & paid funds$66,581The complete starting cash picture.
Estimated remaining funds due at closing
$66,581No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,108.02
Your down payment$50,108.02
Closing costs + prepaids$16,472.53
Total buyer cash needed$66,580.55
Remaining funds due$66,580.55
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%)$5,360.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,429.46
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,394.25
Initial HOA (3 months)$249.99
Prepaid interest, first (25 days)$1,570.83
Fees + prepaids$16,472.53
Your down payment is the seller’s equity. You take over the $485,892 balance, so the rest of the $536,000 price is paid at closing. A second mortgage can cover part of it. $66,580.55 is due at closing. Uses and sources reconcile at $552,472.53 each. Not a Closing Disclosure.