Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$73,344Cash toward the purchase price.
Closing costs + prepaids$16,002Not just lender fees.
Before credits & paid funds$89,346The complete starting cash picture.
Estimated remaining funds due at closing
$89,346No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$73,343.99
Your down payment$73,343.99
Closing costs + prepaids$16,001.53
Total buyer cash needed$89,345.53
Remaining funds due$89,345.53
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%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,382.78
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$627.50
Prepaid interest, first (24 days)$2,024.25
Fees + prepaids$16,001.53
Your down payment is the seller’s equity. You take over the $476,556 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $89,345.53 is due at closing. Uses and sources reconcile at $565,901.53 each. Not a Closing Disclosure.