Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$53,233Cash toward the purchase price.
Closing costs + prepaids$15,201Not just lender fees.
Before credits & paid funds$68,435The complete starting cash picture.
Estimated remaining funds due at closing
$68,435No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$53,233.36
Your down payment$53,233.36
Closing costs + prepaids$15,201.24
Total buyer cash needed$68,434.60
Remaining funds due$68,434.60
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%)$5,550.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,508.83
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$666.00
Initial HOA (3 months)$297.00
Prepaid interest, first (9 days)$711.41
Fees + prepaids$15,201.24
Your down payment is the seller’s equity. You take over the $501,767 balance, so the rest of the $555,000 price is paid at closing. A second mortgage can cover part of it. $68,434.60 is due at closing. Uses and sources reconcile at $570,201.24 each. Not a Closing Disclosure.