Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$51,485Cash toward the purchase price.
Closing costs + prepaids$16,607Not just lender fees.
Before credits & paid funds$68,091The complete starting cash picture.
Estimated remaining funds due at closing
$68,091No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,484.58
Your down payment$51,484.58
Closing costs + prepaids$16,606.64
Total buyer cash needed$68,091.22
Remaining funds due$68,091.22
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%)$5,497.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,491.08
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$349.75
Initial HOA (3 months)$80.01
Prepaid interest, first (31 days)$2,720.80
Fees + prepaids$16,606.64
Your down payment is the seller’s equity. You take over the $498,215 balance, so the rest of the $549,700 price is paid at closing. A second mortgage can cover part of it. $68,091.22 is due at closing. Uses and sources reconcile at $566,306.64 each. Not a Closing Disclosure.