Follow the dollars · Assumption only
A complete cash picture for Dec 9, 2026
Your down payment$46,486Cash toward the purchase price.
Closing costs + prepaids$14,652Not just lender fees.
Before credits & paid funds$61,137The complete starting cash picture.
Estimated remaining funds due at closing
$61,137No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$46,485.83
Your down payment$46,485.83
Closing costs + prepaids$14,651.54
Total buyer cash needed$61,137.37
Remaining funds due$61,137.37
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%)$4,850.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,192.57
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$1,312.00
Prepaid interest, first (23 days)$828.97
Fees + prepaids$14,651.54
Your down payment is the seller’s equity. You take over the $438,514 balance, so the rest of the $485,000 price is paid at closing. A second mortgage can cover part of it. $61,137.37 is due at closing. Uses and sources reconcile at $499,651.54 each. Not a Closing Disclosure.