Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$46,405Cash toward the purchase price.
Closing costs + prepaids$20,114Not just lender fees.
Before credits & paid funds$66,519The complete starting cash picture.
Estimated remaining funds due at closing
$66,519No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,404.95
Your down payment$46,404.95
Closing costs + prepaids$20,114.46
Total buyer cash needed$66,519.42
Remaining funds due$66,519.42
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%)$5,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,512.98
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,372.50
Initial HOA (3 months)$2,400.00
Prepaid interest, first (30 days)$2,870.99
Fees + prepaids$20,114.46
Your down payment is the seller’s equity. You take over the $502,595 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $66,519.42 is due at closing. Uses and sources reconcile at $569,114.46 each. Not a Closing Disclosure.