Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$44,977Cash toward the purchase price.
Closing costs + prepaids$16,710Not just lender fees.
Before credits & paid funds$61,687The complete starting cash picture.
Estimated remaining funds due at closing
$61,687No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,976.62
Your down payment$44,976.62
Closing costs + prepaids$16,710.10
Total buyer cash needed$61,686.72
Remaining funds due$61,686.72
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%)$5,499.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,524.62
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$736.75
Prepaid interest, first (26 days)$2,481.73
Fees + prepaids$16,710.10
Your down payment is the seller’s equity. You take over the $504,923 balance, so the rest of the $549,900 price is paid at closing. A second mortgage can cover part of it. $61,686.72 is due at closing. Uses and sources reconcile at $566,610.10 each. Not a Closing Disclosure.