Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$43,380Cash toward the purchase price.
Closing costs + prepaids$18,574Not just lender fees.
Before credits & paid funds$61,954The complete starting cash picture.
Estimated remaining funds due at closing
$61,954No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,379.91
Your down payment$43,379.91
Closing costs + prepaids$18,574.21
Total buyer cash needed$61,954.11
Remaining funds due$61,954.11
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%)$2,528.10
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,514.75
Initial HOA (3 months)$37.50
Prepaid interest, first (27 days)$2,535.86
Fees + prepaids$18,574.21
Your down payment is the seller’s equity. You take over the $505,620 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $61,954.11 is due at closing. Uses and sources reconcile at $567,574.21 each. Not a Closing Disclosure.