Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$75,406Cash toward the purchase price.
Closing costs + prepaids$14,145Not just lender fees.
Before credits & paid funds$89,551The complete starting cash picture.
Estimated remaining funds due at closing
$89,551No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$75,406.12
Your down payment$75,406.12
Closing costs + prepaids$14,145.19
Total buyer cash needed$89,551.31
Remaining funds due$89,551.31
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%)$2,372.97
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$440.75
Initial HOA (3 months)$306.00
Prepaid interest, first (1 days)$57.47
Fees + prepaids$14,145.19
Your down payment is the seller’s equity. You take over the $474,594 balance, so the rest of the $550,000 price is paid at closing. A second mortgage can cover part of it. $89,551.31 is due at closing. Uses and sources reconcile at $564,145.19 each. Not a Closing Disclosure.