Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$50,684Cash toward the purchase price.
Closing costs + prepaids$14,972Not just lender fees.
Before credits & paid funds$65,656The complete starting cash picture.
Estimated remaining funds due at closing
$65,656No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,683.60
Your down payment$50,683.60
Closing costs + prepaids$14,971.94
Total buyer cash needed$65,655.53
Remaining funds due$65,655.53
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%)$5,500.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,496.58
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,430.75
Prepaid interest, first (2 days)$76.61
Fees + prepaids$14,971.94
Your down payment is the seller’s equity. You take over the $499,316 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $65,655.53 is due at closing. Uses and sources reconcile at $564,971.94 each. Not a Closing Disclosure.