Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$36,394Cash toward the purchase price.
Closing costs + prepaids$14,939Not just lender fees.
Before credits & paid funds$51,333The complete starting cash picture.
Estimated remaining funds due at closing
$51,333No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$36,393.78
Your down payment$36,393.78
Closing costs + prepaids$14,939.44
Total buyer cash needed$51,333.22
Remaining funds due$51,333.22
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%)$4,890.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,263.03
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$351.25
Prepaid interest, first (24 days)$1,967.16
Fees + prepaids$14,939.44
Your down payment is the seller’s equity. You take over the $452,606 balance, so the rest of the $489,000 price is paid at closing. A second mortgage can cover part of it. $51,333.22 is due at closing. Uses and sources reconcile at $503,939.44 each. Not a Closing Disclosure.