Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$35,901Cash toward the purchase price.
Closing costs + prepaids$14,534Not just lender fees.
Before credits & paid funds$50,435The complete starting cash picture.
Estimated remaining funds due at closing
$50,435No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$35,900.82
Your down payment$35,900.82
Closing costs + prepaids$14,534.50
Total buyer cash needed$50,435.31
Remaining funds due$50,435.31
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%)$5,490.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,565.50
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$832.75
Prepaid interest, first (2 days)$178.25
Fees + prepaids$14,534.50
Your down payment is the seller’s equity. You take over the $513,099 balance, so the rest of the $549,000 price is paid at closing. A second mortgage can cover part of it. $50,435.31 is due at closing. Uses and sources reconcile at $563,534.50 each. Not a Closing Disclosure.