Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$46,558Cash toward the purchase price.
Closing costs + prepaids$18,256Not just lender fees.
Before credits & paid funds$64,814The complete starting cash picture.
Estimated remaining funds due at closing
$64,814No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,558.37
Your down payment$46,558.37
Closing costs + prepaids$18,256.10
Total buyer cash needed$64,814.47
Remaining funds due$64,814.47
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%)$5,399.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,466.71
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$2,666.00
Initial HOA (3 months)$56.49
Prepaid interest, first (26 days)$2,199.90
Fees + prepaids$18,256.10
Your down payment is the seller’s equity. You take over the $493,342 balance, so the rest of the $539,900 price is paid at closing. A second mortgage can cover part of it. $64,814.47 is due at closing. Uses and sources reconcile at $558,156.10 each. Not a Closing Disclosure.