Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$83,969Cash toward the purchase price.
Closing costs + prepaids$15,068Not just lender fees.
Before credits & paid funds$99,037The complete starting cash picture.
Estimated remaining funds due at closing
$99,037No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,968.52
Your down payment$83,968.52
Closing costs + prepaids$15,068.14
Total buyer cash needed$99,036.66
Remaining funds due$99,036.66
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%)$2,330.16
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)$39.00
Prepaid interest, first (12 days)$1,070.98
Fees + prepaids$15,068.14
Your down payment is the seller’s equity. You take over the $466,031 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $99,036.66 is due at closing. Uses and sources reconcile at $565,068.14 each. Not a Closing Disclosure.