Follow the dollars · Assumption only
A complete cash picture for Dec 20, 2026
Your down payment$54,029Cash toward the purchase price.
Closing costs + prepaids$14,785Not just lender fees.
Before credits & paid funds$68,815The complete starting cash picture.
Estimated remaining funds due at closing
$68,815No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$54,029.24
Your down payment$54,029.24
Closing costs + prepaids$14,785.35
Total buyer cash needed$68,814.59
Remaining funds due$68,814.59
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%)$5,440.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,449.85
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$652.75
Initial HOA (3 months)$219.00
Prepaid interest, first (12 days)$555.75
Fees + prepaids$14,785.35
Your down payment is the seller’s equity. You take over the $489,971 balance, so the rest of the $544,000 price is paid at closing. A second mortgage can cover part of it. $68,814.59 is due at closing. Uses and sources reconcile at $558,785.35 each. Not a Closing Disclosure.