Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$52,595Cash toward the purchase price.
Closing costs + prepaids$14,382Not just lender fees.
Before credits & paid funds$66,977The complete starting cash picture.
Estimated remaining funds due at closing
$66,977No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$52,595.44
Your down payment$52,595.44
Closing costs + prepaids$14,381.67
Total buyer cash needed$66,977.11
Remaining funds due$66,977.11
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%)$2,512.02
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$475.50
Initial HOA (3 months)$297.00
Prepaid interest, first (1 days)$79.15
Fees + prepaids$14,381.67
Your down payment is the seller’s equity. You take over the $502,405 balance, so the rest of the $555,000 price is paid at closing. A second mortgage can cover part of it. $66,977.11 is due at closing. Uses and sources reconcile at $569,381.67 each. Not a Closing Disclosure.