Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$55,223Cash toward the purchase price.
Closing costs + prepaids$14,288Not just lender fees.
Before credits & paid funds$69,511The complete starting cash picture.
Estimated remaining funds due at closing
$69,511No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$55,222.69
Your down payment$55,222.69
Closing costs + prepaids$14,288.48
Total buyer cash needed$69,511.18
Remaining funds due$69,511.18
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%)$4,949.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,198.86
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$594.00
Initial HOA (3 months)$375.00
Prepaid interest, first (9 days)$702.67
Fees + prepaids$14,288.48
Your down payment is the seller’s equity. You take over the $439,772 balance, so the rest of the $494,995 price is paid at closing. A second mortgage can cover part of it. $69,511.18 is due at closing. Uses and sources reconcile at $509,283.48 each. Not a Closing Disclosure.