Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$43,489Cash toward the purchase price.
Closing costs + prepaids$15,115Not just lender fees.
Before credits & paid funds$58,604The complete starting cash picture.
Estimated remaining funds due at closing
$58,604No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$43,489.24
Your down payment$43,489.24
Closing costs + prepaids$15,115.07
Total buyer cash needed$58,604.31
Remaining funds due$58,604.31
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%)$2,532.55
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$369.75
Prepaid interest, first (30 days)$1,244.77
Fees + prepaids$15,115.07
Your down payment is the seller’s equity. You take over the $506,511 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $58,604.31 is due at closing. Uses and sources reconcile at $565,115.07 each. Not a Closing Disclosure.