Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$75,013Cash toward the purchase price.
Closing costs + prepaids$16,820Not just lender fees.
Before credits & paid funds$91,834The complete starting cash picture.
Estimated remaining funds due at closing
$91,834No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,013.11
Your down payment$75,013.11
Closing costs + prepaids$16,820.45
Total buyer cash needed$91,833.56
Remaining funds due$91,833.56
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%)$5,449.99
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,349.93
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,319.00
Initial HOA (3 months)$231.00
Prepaid interest, first (24 days)$2,002.53
Fees + prepaids$16,820.45
Your down payment is the seller’s equity. You take over the $469,986 balance, so the rest of the $544,999 price is paid at closing. A second mortgage can cover part of it. $91,833.56 is due at closing. Uses and sources reconcile at $561,819.45 each. Not a Closing Disclosure.