Follow the dollars · Assumption only
A complete cash picture for Dec 11, 2026
Your down payment$55,223Cash toward the purchase price.
Closing costs + prepaids$14,991Not just lender fees.
Before credits & paid funds$70,213The complete starting cash picture.
Estimated remaining funds due at closing
$70,213No 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$14,990.63
Total buyer cash needed$70,213.32
Remaining funds due$70,213.32
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)$359.25
Initial HOA (3 months)$375.00
Prepaid interest, first (21 days)$1,639.57
Fees + prepaids$14,990.63
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. $70,213.32 is due at closing. Uses and sources reconcile at $509,985.63 each. Not a Closing Disclosure.