Follow the dollars · Assumption only
A complete cash picture for Nov 29, 2026
Your down payment$50,894Cash toward the purchase price.
Closing costs + prepaids$14,065Not just lender fees.
Before credits & paid funds$64,959The complete starting cash picture.
Estimated remaining funds due at closing
$64,959No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$50,894.49
Your down payment$50,894.49
Closing costs + prepaids$14,064.53
Total buyer cash needed$64,959.02
Remaining funds due$64,959.02
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%)$5,497.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,494.03
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$349.75
Initial HOA (3 months)$80.01
Prepaid interest, first (2 days)$175.74
Fees + prepaids$14,064.53
Your down payment is the seller’s equity. You take over the $498,806 balance, so the rest of the $549,700 price is paid at closing. A second mortgage can cover part of it. $64,959.02 is due at closing. Uses and sources reconcile at $563,764.53 each. Not a Closing Disclosure.