Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$47,759Cash toward the purchase price.
Closing costs + prepaids$16,430Not just lender fees.
Before credits & paid funds$64,188The complete starting cash picture.
Estimated remaining funds due at closing
$64,188No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$47,758.68
Your down payment$47,758.68
Closing costs + prepaids$16,429.77
Total buyer cash needed$64,188.45
Remaining funds due$64,188.45
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%)$2,510.71
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$803.50
Initial HOA (3 months)$750.00
Prepaid interest, first (23 days)$1,398.57
Fees + prepaids$16,429.77
Your down payment is the seller’s equity. You take over the $502,141 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $64,188.45 is due at closing. Uses and sources reconcile at $566,329.77 each. Not a Closing Disclosure.