Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$51,787Cash toward the purchase price.
Closing costs + prepaids$15,521Not just lender fees.
Before credits & paid funds$67,308The complete starting cash picture.
Estimated remaining funds due at closing
$67,308No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$51,786.93
Your down payment$51,786.93
Closing costs + prepaids$15,521.02
Total buyer cash needed$67,307.95
Remaining funds due$67,307.95
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%)$2,491.07
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,428.50
Initial HOA (3 months)$450.00
Prepaid interest, first (2 days)$183.45
Fees + prepaids$15,521.02
Your down payment is the seller’s equity. You take over the $498,213 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $67,307.95 is due at closing. Uses and sources reconcile at $565,521.02 each. Not a Closing Disclosure.