Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$57,904Cash toward the purchase price.
Closing costs + prepaids$14,970Not just lender fees.
Before credits & paid funds$72,873The complete starting cash picture.
Estimated remaining funds due at closing
$72,873No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$57,903.51
Your down payment$57,903.51
Closing costs + prepaids$14,969.93
Total buyer cash needed$72,873.45
Remaining funds due$72,873.45
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%)$4,899.95
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,160.46
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$514.75
Prepaid interest, first (26 days)$1,926.77
Fees + prepaids$14,969.93
Your down payment is the seller’s equity. You take over the $432,091 balance, so the rest of the $489,995 price is paid at closing. A second mortgage can cover part of it. $72,873.45 is due at closing. Uses and sources reconcile at $504,964.93 each. Not a Closing Disclosure.