Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$100,588Cash toward the purchase price.
Closing costs + prepaids$15,822Not just lender fees.
Before credits & paid funds$116,410The complete starting cash picture.
Estimated remaining funds due at closing
$116,410No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$100,587.56
Your down payment$100,587.56
Closing costs + prepaids$15,822.44
Total buyer cash needed$116,410.00
Remaining funds due$116,410.00
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%)$2,247.06
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$464.50
Initial HOA (3 months)$81.24
Prepaid interest, first (26 days)$2,061.63
Fees + prepaids$15,822.44
Your down payment is the seller’s equity. You take over the $449,412 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $116,410.00 is due at closing. Uses and sources reconcile at $565,822.44 each. Not a Closing Disclosure.