Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$80,123Cash toward the purchase price.
Closing costs + prepaids$17,235Not just lender fees.
Before credits & paid funds$97,358The complete starting cash picture.
Estimated remaining funds due at closing
$97,358No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$80,123.11
Your down payment$80,123.11
Closing costs + prepaids$17,235.15
Total buyer cash needed$97,358.26
Remaining funds due$97,358.26
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%)$5,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,374.38
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,595.50
Initial HOA (3 months)$99.00
Prepaid interest, first (24 days)$2,148.26
Fees + prepaids$17,235.15
Your down payment is the seller’s equity. You take over the $474,877 balance, so the rest of the $555,000 price is paid at closing. A second mortgage can cover part of it. $97,358.26 is due at closing. Uses and sources reconcile at $572,235.15 each. Not a Closing Disclosure.