Follow the dollars · Assumption only
A complete cash picture for Dec 2, 2026
Your down payment$51,646Cash toward the purchase price.
Closing costs + prepaids$17,638Not just lender fees.
Before credits & paid funds$69,284The complete starting cash picture.
Estimated remaining funds due at closing
$69,284No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,646.16
Your down payment$51,646.16
Closing costs + prepaids$17,637.74
Total buyer cash needed$69,283.90
Remaining funds due$69,283.90
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%)$2,491.77
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$961.00
Initial HOA (3 months)$276.00
Prepaid interest, first (30 days)$2,940.97
Fees + prepaids$17,637.74
Your down payment is the seller’s equity. You take over the $498,354 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $69,283.90 is due at closing. Uses and sources reconcile at $567,637.74 each. Not a Closing Disclosure.