Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$57,896Cash toward the purchase price.
Closing costs + prepaids$17,729Not just lender fees.
Before credits & paid funds$75,624The complete starting cash picture.
Estimated remaining funds due at closing
$75,624No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,895.52
Your down payment$57,895.52
Closing costs + prepaids$17,728.81
Total buyer cash needed$75,624.33
Remaining funds due$75,624.33
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%)$5,549.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,485.02
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,407.00
Initial HOA (3 months)$234.00
Prepaid interest, first (30 days)$2,585.78
Fees + prepaids$17,728.81
Your down payment is the seller’s equity. You take over the $497,004 balance, so the rest of the $554,900 price is paid at closing. A second mortgage can cover part of it. $75,624.33 is due at closing. Uses and sources reconcile at $572,628.81 each. Not a Closing Disclosure.