Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$57,896Cash toward the purchase price.
Closing costs + prepaids$17,039Not just lender fees.
Before credits & paid funds$74,935The complete starting cash picture.
Estimated remaining funds due at closing
$74,935No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,895.52
Your down payment$57,895.52
Closing costs + prepaids$17,039.26
Total buyer cash needed$74,934.79
Remaining funds due$74,934.79
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%)$5,549.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,485.02
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,407.00
Initial HOA (3 months)$234.00
Prepaid interest, first (22 days)$1,896.24
Fees + prepaids$17,039.26
Your down payment is the seller’s equity. You take over the $497,004 balance, so the rest of the $554,900 price is paid at closing. A second mortgage can cover part of it. $74,934.79 is due at closing. Uses and sources reconcile at $571,939.26 each. Not a Closing Disclosure.