Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$67,305Cash toward the purchase price.
Closing costs + prepaids$16,484Not just lender fees.
Before credits & paid funds$83,789The complete starting cash picture.
Estimated remaining funds due at closing
$83,789No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$67,304.92
Your down payment$67,304.92
Closing costs + prepaids$16,484.30
Total buyer cash needed$83,789.22
Remaining funds due$83,789.22
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%)$2,412.98
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$648.25
Prepaid interest, first (27 days)$2,456.08
Fees + prepaids$16,484.30
Your down payment is the seller’s equity. You take over the $482,595 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $83,789.22 is due at closing. Uses and sources reconcile at $566,384.30 each. Not a Closing Disclosure.