Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$52,278Cash toward the purchase price.
Closing costs + prepaids$17,534Not just lender fees.
Before credits & paid funds$69,813The complete starting cash picture.
Estimated remaining funds due at closing
$69,813No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,278.38
Your down payment$52,278.38
Closing costs + prepaids$17,534.36
Total buyer cash needed$69,812.73
Remaining funds due$69,812.73
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%)$2,488.61
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,428.50
Initial HOA (3 months)$450.00
Prepaid interest, first (24 days)$2,199.25
Fees + prepaids$17,534.36
Your down payment is the seller’s equity. You take over the $497,722 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $69,812.73 is due at closing. Uses and sources reconcile at $567,534.36 each. Not a Closing Disclosure.