Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$55,986Cash toward the purchase price.
Closing costs + prepaids$15,953Not just lender fees.
Before credits & paid funds$71,939The complete starting cash picture.
Estimated remaining funds due at closing
$71,939No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,986.23
Your down payment$55,986.23
Closing costs + prepaids$15,953.06
Total buyer cash needed$71,939.29
Remaining funds due$71,939.29
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%)$2,420.07
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$246.25
Prepaid interest, first (30 days)$2,418.74
Fees + prepaids$15,953.06
Your down payment is the seller’s equity. You take over the $484,014 balance, so the rest of the $540,000 price is paid at closing. A second mortgage can cover part of it. $71,939.29 is due at closing. Uses and sources reconcile at $555,953.06 each. Not a Closing Disclosure.