Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$90,534Cash toward the purchase price.
Closing costs + prepaids$14,417Not just lender fees.
Before credits & paid funds$104,951The complete starting cash picture.
Estimated remaining funds due at closing
$104,951No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$90,534.34
Your down payment$90,534.34
Closing costs + prepaids$14,416.58
Total buyer cash needed$104,950.93
Remaining funds due$104,950.93
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%)$2,297.33
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)$27.51
Prepaid interest, first (12 days)$463.75
Fees + prepaids$14,416.58
Your down payment is the seller’s equity. You take over the $459,466 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $104,950.93 is due at closing. Uses and sources reconcile at $564,416.58 each. Not a Closing Disclosure.