Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$53,258Cash toward the purchase price.
Closing costs + prepaids$16,647Not just lender fees.
Before credits & paid funds$69,904The complete starting cash picture.
Estimated remaining funds due at closing
$69,904No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,257.81
Your down payment$53,257.81
Closing costs + prepaids$16,646.50
Total buyer cash needed$69,904.31
Remaining funds due$69,904.31
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%)$5,499.90
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,483.66
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$472.00
Initial HOA (3 months)$288.00
Prepaid interest, first (28 days)$2,434.94
Fees + prepaids$16,646.50
Your down payment is the seller’s equity. You take over the $496,732 balance, so the rest of the $549,990 price is paid at closing. A second mortgage can cover part of it. $69,904.31 is due at closing. Uses and sources reconcile at $566,636.50 each. Not a Closing Disclosure.