Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$44,116Cash toward the purchase price.
Closing costs + prepaids$15,268Not just lender fees.
Before credits & paid funds$59,384The complete starting cash picture.
Estimated remaining funds due at closing
$59,384No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$44,116.19
Your down payment$44,116.19
Closing costs + prepaids$15,267.77
Total buyer cash needed$59,383.96
Remaining funds due$59,383.96
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%)$5,450.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,504.42
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,389.75
Prepaid interest, first (5 days)$455.60
Fees + prepaids$15,267.77
Your down payment is the seller’s equity. You take over the $500,884 balance, so the rest of the $545,000 price is paid at closing. A second mortgage can cover part of it. $59,383.96 is due at closing. Uses and sources reconcile at $560,267.77 each. Not a Closing Disclosure.