Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$50,088Cash toward the purchase price.
Closing costs + prepaids$15,724Not just lender fees.
Before credits & paid funds$65,812The complete starting cash picture.
Estimated remaining funds due at closing
$65,812No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,087.54
Your down payment$50,087.54
Closing costs + prepaids$15,723.99
Total buyer cash needed$65,811.53
Remaining funds due$65,811.53
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%)$5,400.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,449.56
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$304.50
Prepaid interest, first (30 days)$2,101.93
Fees + prepaids$15,723.99
Your down payment is the seller’s equity. You take over the $489,912 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $65,811.53 is due at closing. Uses and sources reconcile at $555,723.99 each. Not a Closing Disclosure.