Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$95,551Cash toward the purchase price.
Closing costs + prepaids$15,781Not just lender fees.
Before credits & paid funds$111,332The complete starting cash picture.
Estimated remaining funds due at closing
$111,332No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$95,550.98
Your down payment$95,550.98
Closing costs + prepaids$15,780.92
Total buyer cash needed$111,331.91
Remaining funds due$111,331.91
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%)$2,272.25
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,273.50
Initial HOA (3 months)$240.00
Prepaid interest, first (30 days)$1,027.18
Fees + prepaids$15,780.92
Your down payment is the seller’s equity. You take over the $454,449 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $111,331.91 is due at closing. Uses and sources reconcile at $565,780.92 each. Not a Closing Disclosure.