Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$63,370Cash toward the purchase price.
Closing costs + prepaids$17,599Not just lender fees.
Before credits & paid funds$80,970The complete starting cash picture.
Estimated remaining funds due at closing
$80,970No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,370.49
Your down payment$63,370.49
Closing costs + prepaids$17,599.25
Total buyer cash needed$80,969.73
Remaining funds due$80,969.73
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%)$2,428.15
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,372.50
Initial HOA (3 months)$1,560.00
Prepaid interest, first (25 days)$1,280.60
Fees + prepaids$17,599.25
Your down payment is the seller’s equity. You take over the $485,630 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $80,969.73 is due at closing. Uses and sources reconcile at $566,599.25 each. Not a Closing Disclosure.