Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$62,775Cash toward the purchase price.
Closing costs + prepaids$15,722Not just lender fees.
Before credits & paid funds$78,496The complete starting cash picture.
Estimated remaining funds due at closing
$78,496No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$62,774.52
Your down payment$62,774.52
Closing costs + prepaids$15,721.92
Total buyer cash needed$78,496.44
Remaining funds due$78,496.44
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%)$5,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,381.13
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$634.25
Prepaid interest, first (23 days)$1,848.54
Fees + prepaids$15,721.92
Your down payment is the seller’s equity. You take over the $476,225 balance, so the rest of the $539,000 price is paid at closing. A second mortgage can cover part of it. $78,496.44 is due at closing. Uses and sources reconcile at $554,721.92 each. Not a Closing Disclosure.