Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$69,702Cash toward the purchase price.
Closing costs + prepaids$16,792Not just lender fees.
Before credits & paid funds$86,495The complete starting cash picture.
Estimated remaining funds due at closing
$86,495No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$69,702.16
Your down payment$69,702.16
Closing costs + prepaids$16,792.40
Total buyer cash needed$86,494.56
Remaining funds due$86,494.56
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%)$5,390.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,346.49
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$128.25
Initial HOA (3 months)$1,098.00
Prepaid interest, first (28 days)$2,361.66
Fees + prepaids$16,792.40
Your down payment is the seller’s equity. You take over the $469,298 balance, so the rest of the $539,000 price is paid at closing. A second mortgage can cover part of it. $86,494.56 is due at closing. Uses and sources reconcile at $555,792.40 each. Not a Closing Disclosure.