Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$76,242Cash toward the purchase price.
Closing costs + prepaids$14,819Not just lender fees.
Before credits & paid funds$91,061The complete starting cash picture.
Estimated remaining funds due at closing
$91,061No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$76,241.87
Your down payment$76,241.87
Closing costs + prepaids$14,819.12
Total buyer cash needed$91,060.99
Remaining funds due$91,060.99
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%)$2,368.79
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$660.00
Initial HOA (3 months)$306.00
Prepaid interest, first (9 days)$516.33
Fees + prepaids$14,819.12
Your down payment is the seller’s equity. You take over the $473,758 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $91,060.99 is due at closing. Uses and sources reconcile at $564,819.12 each. Not a Closing Disclosure.