Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$50,306Cash toward the purchase price.
Closing costs + prepaids$15,676Not just lender fees.
Before credits & paid funds$65,982The complete starting cash picture.
Estimated remaining funds due at closing
$65,982No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,305.74
Your down payment$50,305.74
Closing costs + prepaids$15,676.33
Total buyer cash needed$65,982.07
Remaining funds due$65,982.07
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%)$5,350.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,423.47
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$111.25
Initial HOA (3 months)$260.01
Prepaid interest, first (28 days)$2,063.60
Fees + prepaids$15,676.33
Your down payment is the seller’s equity. You take over the $484,694 balance, so the rest of the $535,000 price is paid at closing. A second mortgage can cover part of it. $65,982.07 is due at closing. Uses and sources reconcile at $550,676.33 each. Not a Closing Disclosure.