Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$63,315Cash toward the purchase price.
Closing costs + prepaids$15,161Not just lender fees.
Before credits & paid funds$78,476The complete starting cash picture.
Estimated remaining funds due at closing
$78,476No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$63,315.00
Your down payment$63,315.00
Closing costs + prepaids$15,160.54
Total buyer cash needed$78,475.54
Remaining funds due$78,475.54
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%)$5,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,433.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$676.75
Initial HOA (3 months)$24.99
Prepaid interest, first (26 days)$1,057.37
Fees + prepaids$15,160.54
Your down payment is the seller’s equity. You take over the $486,685 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $78,475.54 is due at closing. Uses and sources reconcile at $565,160.54 each. Not a Closing Disclosure.